vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am submitting this complaint regarding a XXXX secured credit card account that is currently being reported by Experian, Equifax, and TransUnion in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

I have disputed this account multiple times over the past several months, and all three credit bureaus have continued to report false, misleading, and inconsistent information without providing proper validation or correction. Their inaction and negligence are now causing continued damage to my credit profile and financial reputation. 

Key FCRA Violations and Inaccuracies : Illegal Balance Reporting on a Charged-Off Account The account is listed as a charge-off, but each bureau continues to report an outstanding balance of {$250.00} and past due amounts. Once charged off, the account should reflect a {$0.00} balance, as the creditor has written it off as a loss. 
This violates FCRA 623 ( a ) ( 1 ) and is misleading to potential lenders.

Inconsistent and Re-Aged Dates of Activity TransUnion reports the date last active as XX/XX/XXXX Experian reports XX/XX/XXXX Equifax reports XX/XX/XXXX These discrepancies reflect improper re-aging, which extends the life of a negative account in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Metro 2 and Data Formatting Violations Equifax incorrectly reports the credit limit as {$0.00} High credit and balance amounts vary across bureaus Each agency has conflicting charge-off comments ( e.g., canceled by credit grantor, closed due to inactivity, charged off account ) These inconsistencies violate FCRA 607 ( b ) and Metro 2 compliance standards, which require accurate and uniform reporting. 

False Payment History Entries Equifax is reporting perfect " OK '' payments after the alleged charge-off date Experian and TransUnion show CO notations for months, but those are not properly supported by payment data This inconsistency shows poor data integrity and negligent reporting. 

Failure to Provide Documentation Upon Request Despite multiple certified disputes, no bureau or data furnisher has provided validation documentation, such as a signed contract or original terms of the account, which is required by FCRA 609 ( a ) ( 1 ) ( A ).

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 2025-04-14 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:
To Whom It May Concern, I am writing to file a formal complaint against JPMorgan Chase Bank regarding the sudden and unexplained closure of all three of my Chase credit card accounts. 

I became a Chase customer in XX/XX/XXXX and was issued my first debit and credit card. Due to the positive initial experience, I applied for and was approved for two additional premium credit cards in XXXX and XX/XX/XXXX. These cards were granted with strong credit limits, and I have consistently maintained a FICO credit score above XXXX. 

I have never missed a payment, and I use my Chase credit cards for essential recurring expenses such as utilities and internet. I had also planned to book summer travel for my family using these cards. However, on XX/XX/XXXX, I discovered that all three credit card accounts had been closed without any prior notice or explanation. 

The following day, I contacted Chase customer service via phone and visited a local branch. I was told that the closures were the result of an internal account review, but I was not given any specific reasons, nor was I offered an opportunity to resolve any alleged concerns. 

This unexpected action has severely disrupted my familys financial planning and damaged my trust in Chase Bank. As a responsible cardholder with a clean payment record and strong credit, I believe I deserve a clear explanation and an opportunity to respond before such drastic measures are taken. 

I respectfully request the following : 1. A clear and specific explanation for the account closures.

2. Immediate reinstatement of the closed accounts or at least one active account with a reasonable credit limit.

3. Preservation of all reward points I accumulated on those cards.

4. Assurance that this action will not negatively impact my credit report.

I am prepared to provide supporting documentation, including statements, payment records, and credit score history. Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has continued to collect on a disputed SoFi account ( File ID XXXX ) without ever validating the debt, in violation of the FDCPA. Despite my written validation request on XX/XX/XXXX, they pursued collection, initiated a lawsuit ( XXXX XXXX. XXXX ), and allowed the XXXX tradeline to remain on my credit report without correction. They only paused activity and issued verification after this CFPB complaint was filed, admitting they had not followed the proper validation procedures. 

Their actions include a serious privacy violation under the XXXX and XXXX. On XX/XX/XXXX, XXXX sent me documents containing full personal and business information for a third-party consumer, XXXX XXXX XXXX This breach included a date of birth, address, phone number, financial documents, and business application dataall unredacted or insufficiently redacted. Additionally, they improperly served the court summons on a confirmed XXXX minor without verifying age or following up as required by California law. The case was eventually dismissed without prejudice, leaving legal uncertainty and showing they lacked a valid basis for litigation. 

XXXX XX/XX/XXXX response contains multiple factual concessions that confirm their noncompliance. They acknowledge the privacy breach occurred, that validation was not issued until after regulatory pressure, and that substitute service was based on an assumed age. They also avoid denying their role in continued credit reporting. I am requesting that the CFPB pursue supervisory enforcement, refer the matter to the CA DFPI and Attorney General, and support my demand for complete tradeline deletion, written account closure, and permanent resolution by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
XXXX XXXX XXXX I am filing a formal complaint regarding inaccurate reporting by XXXX XXXX on my credit reports, which is causing unjust harm to my credit standing. This account was charged off and sold to XXXX XXXX XXXX XXXX, yet all three credit bureaus are still reporting conflicting and outdated information. 

The balance is listed as {$0.00}, confirming no debt is owed, yet the account remains marked as derogatory and charged off on TransUnion, Experian, and Equifax. 

Equifax shows two full years ( XXXX ) of " OK '' payments on an account that was already charged off and closed, which is inaccurate. 

Experian falsely reports a high credit of {$0.00}, and updates the account as recently as XX/XX/XXXX, despite no activity since early XXXX. 

TransUnion reflects late payments and a charge-off, yet the account has not been updated since XX/XX/XXXX, making the information outdated and incomplete. 

Under the Fair Credit Reporting Act ( FCRA ), credit data must be accurate, complete, and up to date. This account is no longer active, collectible, or owed, and the inconsistencies across the bureaus violate my rights. I am requesting that this account be fully deleted from my credit reports, as the continued reporting is both inaccurate and misleading. 

Please investigate this matter and take appropriate action to ensure compliance with the law. Thank you for your time and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding Transunion failing to provide proof of debt and negative items. I also informed them that my information was exposed in a data breach and informed them of the following : The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section XXXX of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof. I disputed negative items via mail on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have copies of all the letters mailed requesting a full investigation, proof of late, proof of charge off and validation of debt. To date I haven't received none of the items requested and items remain on my credit report. My efforts to resolve this matter directly with TransUnion have failed, the issue remains unresolved, and I am seeking your assistance to address the situation. The most recent report states account verified as accurate - with no proof.

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 2025-04-14 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: AL

Complaint narrative:
Between XXXX and early XXXX, I consistently made payments to Sallie Mae in accordance with my payment plan. In XX/XX/XXXX, I XXXX XXXX XXXX and immediately informed Sallie Mae of my XXXX. I began working XXXX XXXX XXXX XXXX in XXXX, but my income was less than {$700.00} per month. Despite my circumstancesand the fact that my cosigner had XXXX XXXX in XXXX XXXXSallie Mae refused to offer any deferment or hardship accommodations. 

In XX/XX/XXXX, after regaining XXXX, I called Sallie Mae to review my financial situation and ask about affordable payment options. The representative laughed and told me, You cant afford it. That response discouraged me from further communication, as it became clear they were unwilling to work with me. 

Throughout this period, Sallie Mae continued to report negative activity to the credit bureaus, yet I received no written notices in the mail. 

In early XXXX, after being XXXX  again until XXXX, I contacted Sallie Mae to reinstate my payment plan. Initially, I was told I would need to pay {$5000.00} upfront, which was not financially feasible. They later offered a XXXX XXXX monthly installment plan until {$2500.00} was paid. The representative, XXXX, informed me that the loan would be discharged at the end of XXXX if I didnt commit. I explained that I was awaiting my XXXX  XXXX  after starting XXXX XXXX XXXX on XX/XX/XXXX and would call back with a payment date. 

However, despite stating the deadline was the end of XXXX, my loans were charged off by XXXX XXXXjust days after I began my XXXX XXXX. This action was premature, especially given standard payroll timelines. 

I am requesting a review of this situation due to the repeated lack of flexibility, failure to accommodate documented hardship, and premature charge-off decisions that have unfairly impacted my credit and mental health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Issue with Bank Of America Credit card fraud charges reject. 

Multiple credit cards were compromised during our trip to Florida. Some remote scanner or similar device was used to scan the cards in purse. Credit Cards from XXXX, XXXX  XXXX and Bank of America were compromised with ateast two transactions of XXXX USD each at the same time from each credit card. 

XXXX and XXXX XXXX alerted us and helped reject the transactions and issued a new card. But Bank of America ( BOFA ) has rejected the claim. We reopened atleast twice with each time providing similar to more evidences, but in vain. BofA did issue a new card at that time. BOFA is charging us interest charges as well. 

The details are as below : Date of Fraud - XXXX XX/XX/XXXX around XXXX XXXX  ET Amount of fraud with BOFA card - XXXX USD ( two transaction each of XXXX USD ) Final reject date by Bank of America - XXXX XX/XX/XXXX. 
Evidences provided - fraud alerts screenshot by XXXX and XXXX XXXX, email with reservation details of us being at XXXX XXXX for the day and not at the fraud transaction merchant.

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 monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: GA

Complaint narrative:
I've already filed a complaint and it says closed and nothing 's happened about it I didn't get my money back or nothing I mean something's got to be done about thi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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
Consumer complaint received 2025-04-14 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
Subject : Demand for Immediate Verification and Rectification of Erroneous Data on My Credit Report Resulting from Suspected Fraudulent Conduct Dear Sir/Madam, I hereby demand compliance with the regulations outlined in the Fair Credit Reporting Act ( FCRA ), namely sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ). It is imperative that you promptly validate and expunge the erroneous late payment data that has been erroneously documented on my credit profile. 

The accounts in question are as follows : Creditor NamXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
Subject : Predatory Auto Loan Practices and Improper Repossession Dear CFPB Representative, I am writing to file a formal complaint regarding what I believe to be predatory auto loan practices and a wrongful repossession by XXXX XXXX XXXX XXXX XXXXY American Credit Acceptance ). 

Summary of My Situation : - I currently hold an auto loan through American Credit Acceptance. 
- On XX/XX/2025, I was told verbally that my situation could be addressed or resolved on Monday, XX/XX/2025. 
- However, despite this understanding, the vehicle was towed on Monday morning XX/XX/2025, clearly during the agreed-upon day and in a manner that feels deliberately premature and misleading. 
- At no time did I surrender the vehicle, and I am still in possession of both original keys, which underscores that I did not voluntarily give up the car. 
- No formal notice of repossession was given to me before the vehicle was taken. 

Why I Believe This Was Improper : - Towing the vehicle one day before the agreed resolution date appears to be done in bad faith. 
- numbers and address have been changed making it hard to contact and locate the vehicle - Holding both keys at the time of towing shows that I did not voluntarily surrender the vehicle. 
- I was provided a written documentation last minute and the account was closed which showed i was current on the payments I can not log into or attach any information. 
- These actions suggest potential violations of fair lending practices, repossession guidelines, and consumer rights protections under federal and/or state law. 

What I Am Requesting : - An investigation into the actions of regarding this loan and repossession. 
- A review of their repossession and communication practices to determine if they comply with consumer protection laws. 
- Any assistance in ensuring this event does not unfairly impact my credit or financial situation further. 

Additional Notes : I am happy to provide a personal statement, copies of my loan agreement, payment records, and photos proving I have both keys in my possession. 

Thank you for your time and for reviewing this matter.

Company response to consumer: Closed with explanation