vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since my previous complaint, Chase has continued to exploit my financial vulnerability by stacking overdraft fees on top of each othereven for small-dollar transactionswhile my account remained negative. Ive now been charged over {$600.00} in overdraft fees, including XXXX more in just the past week. 

This is no longer just a financial issueits personal, emotional, and deeply destabilizing. Im currently facing serious health challenges and unstable income, and I made Chase fully aware of these hardships. Instead of helping, they have continued applying aggressive, punitive charges that are destroying my ability to function and leaving me in a worsening spiral I can not escape. 

The emotional toll has become severe. Ive reached a point of XXXX XXXX XXXX XXXX XXXX XXXX, where Ive begun to question if theres even a way out of this. The relentless financial pressureespecially from a bank I trustedhas pushed me to a dangerously dark place emotionally. Im not sure how much longer I can carry this weight without breaking. 

Ive attached evidence of these feesmany of which are {$34.00} charges for transactions under {$10.00}. This is not protection. This is predatory and cruel. I am now consulting legal advocacy resources and documenting this pattern for possible public exposure, because I refuse to let this be swept under the rug. 

I am urgently requesting that Chase : Refund all remaining overdraft fees in full XXXX further overdraft fees while my account is in recovery XXXX their internal handling of customers in verified hardship situations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC and its servicer, Resurgent Capital Services, for inaccurate, unverified, and misleading reporting of a collection account ( # XXXX ) originally associated with XXXX XXXX XXXX. The current reported balance is {$290.00}, yet historical credit reports show a high balance of $ XXXXan inconsistency that materially misrepresents the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681s-2 ( b ), I requested full validation of the debt, including : A copy of the original signed XXXX XXXX agreement A full chain of assignment, including Forward Flow Agreements ( FFA ) proving account-level transfer An itemized account history Proof of licensing to collect in Massachusetts LVNV/Resurgent failed to comply and instead provided only generic summaries and screenshots, which do not constitute valid verification per XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). In XXXX v. LVNV, XXXX Fed. Appx XXXX ( XXXX Cir. XXXX ), LVNV was specifically held liable for attempting to collect on unverified debts. These actions violate FCRA 1681e ( b ) ( accuracy in reporting ), 1681s-2 ( b ) ( failure to investigate disputes ), and FDCPA 807, 808, and 809 ( b ) ( false, unfair, and unverified collection ).

Despite multiple disputes, the tradeline remains on my credit reports, harming my score and financial access. They are actively reporting disputed data without resolution or legal proof of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Source XXXX XXXX account # XXXX is reporting this debt through Transunion, Experian I have contacted Transunion, Experian about the debt that is fraudulent is a result of a leaked data breach and transunion nor Experian these will not remove from my report, although I have submitted request, and disputes. 

XXXX XXXX XXXX report # XXXX, XXXX XXXX XXXX account # XXXX is also a result from a leaked data breach, and identity theft.

According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communications, please remove this collection off my credit report, thank you.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my deep concern and disappointment regarding a misleading promise made by Chase Bank representatives about extending the XXXX XXXX APR period on my credit card. 

On XX/XX/2025, I contacted Chase and requested an extension of my XXXX XXXX APR offer for an additional XXXX  months. During that call, a Chase representative explicitly promised me a XXXX extension on the XXXX XXXX APR. Based on that assurance, I made purchases on the card, trusting that the promotional rate would be extended as promised. 

However, a few days later, I received a mail notification stating that no such APR extension had been applied. Concerned, I called Chase again and spoke with someone in the escalation department, only to be told that such an extension was not possible. 

I explained to them that I had been promised the extension in fact, for even longer than I initially requested and yet nothing had been done. Instead of resolving the issue, I was told to keep calling back on different dates and that a case would be opened. After weeks of delays and runarounds, I was finally informed that the request was declined. 

This is deeply frustrating and unfair. I acted in good faith based on the verbal commitment made by your employee, and I have now incurred purchases and potential interest that I would have avoided if I had been given accurate information. This situation feels like a serious misrepresentation, and it has caused me financial and emotional stress. 



I respectfully request that you : XXXX Review the call logs or recordings from my XX/XX/XXXX conversation. 
XXXX. Honor the original XXXX XXXX APR extension that was promised. 
XXXX. Or, at minimum, offer a statement credit or APR reduction as a goodwill gesture, since this was not my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am filing this complaint against TransUnion and XXXX XXXX for unlawfully adding and maintaining a collection account on my credit report without providing me the required consumer disclosures as mandated under the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor : XXXX XXXX Account Number ( Partial ) : XXXX XXXX XXXX XXXX XXXX Issues : XXXX. No Consumer Disclosures Were Provided : Neither TransUnion nor XXXX XXXX provided me with the legally required consumer disclosures before reporting this alleged debt to the credit bureaus. Under FCRA 15 U.S. Code 1681g, I am entitled to a full consumer file disclosure to verify what is being reported and by whomthis did not happen. 
XXXX. Violation of the FCRA : By allowing this account to be placed and remain on my report without following proper notice procedures, both companies have violated multiple provisions of the FCRA, specifically 15 U.S. Code 1681e ( a ), which requires reasonable procedures to ensure accuracy and fairness in reporting. 
XXXX. Written Promise to Delete the Account : I also received direct communication from XXXX XXXX, in which they stated they would delete this tradeline from my consumer report. Despite this agreement, TransUnion has continued to report the account, causing unnecessary and unlawful damage to my credit profile.

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 2025-06-18 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno XXXX  party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to me any of the information i requested XXXX with my other complaint they never sent sent verification of debt the ORIGINAL contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I requested the verification of the debt a signature of their debt and a chain assignment and to be sent to me in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and credit score. Despite contacting your agency and receiving assurances from a representative that these unauthorized inquiries would be removed, they remain on my report. This failure to fulfill your commitment is unacceptable. 
The continued presence of these potentially fraudulent inquiries is deeply concerning and strongly indicates possible identity theft. This unresolved issue is causing ongoing financial damage and emotional distress.

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 2025-06-18 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: OR

Complaint narrative:
Bank errors related to billing and credit reporting are actively and unfairly damaging my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are legally required to accurately apply all payments and credits. Despite this, multiple issues have occurred : payments I made were not properly recorded, and there are clear miscalculations in the reported account balances. 
Moreover, I was not provided with the required XXXX advance notice before a payment due date a critical violation that invalidates any late payment notations. These inaccuracies not only breach federal law but are also unjustly harming my creditworthiness

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-06-18 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for reporting misleading and harmful information regarding an account listed on my credit report as : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Nature of the Complaint : TransUnion is currently reporting this account as a charge-off ( C/O ), which is not in dispute. However, the manner in which they are reporting and continuously updating the account as C/O each month is problematic and in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

This reporting practice : XXXX. Manipulates the Statute of Limitations : By updating the account each month with the C/O notation, TransUnion is artificially re-aging the account and making it appear more recent than it actually is. This tactic is misleading and has a direct impact on the statute of limitations for collection, which is calculated based on the date of first delinquencynot on continuous updates. 
XXXX. Violates My Rights Under the FCRA : TransUnion is knowingly reporting this information in a way that damages my creditworthiness and misrepresents the age and status of the account. This is a violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to maintain procedures that ensure maximum possible accuracy. 
XXXX. Appears Intentional and Harmful : It is my belief that TransUnion is purposely engaging in this reporting method to inflict ongoing damage to my credit profile, thus affecting my ability to secure housing, credit, and employment opportunities. This behavior is deceptive, harmful, and clearly intended to penalize consumers long after the original charge-off date.

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 2025-06-18 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$120.00}

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 explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) concerning the following account : Account Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Nature of the Complaint : This account is currently showing several late payments on my Equifax credit report. However, the way these late payments are being reported is inconsistent, inaccurate, and does not align with legal timing and payment crediting standards. 

Specifically : The days reported late do not logically align with standard payment due dates or grace periods, making the data inherently unreliable. 
The pattern of late payments suggests Equifax failed to properly verify or validate the timing of these reported delinquencies. 
This inaccurate reporting has had a negative impact on my credit profile and was not reported in compliance with federal law.

Legal Basis : This reporting violates the following consumer protection laws : 15 U.S. Code 1666b Requires payments to be credited as of the date of receipt and that consumers are given a reasonable amount of time to make payments before late charges or negative reporting is triggered.

15 U.S. Code 1681e ( b ) Requires Equifax to follow reasonable procedures to assure maximum possible accuracy of the information it reports.

15 U.S. Code 1681i Requires reinvestigation of information that is disputed by the consumer, especially when inaccuracies are evident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I need to stress that this complaint is deliberate and not submitted in error. My credit report contains inaccuracies that fall short of the legally required standard of maximum possible accuracy. These errors are severely impacting me, causing ongoing and significant harm during an already difficult time. 
Correcting or removing these inaccuracies would be a crucial relief and greatly improve my situation.

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 2025-06-18 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: TX

Complaint narrative:
The accounts shown on my credit file were created without my consent and do not belong to me. I hereby dispute their accuracy and request deletion under 15 U.S. Code 1681g. Supporting documents have been enclosed. Kindly resolve within 15 days.

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 2025-06-18 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: MS

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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