vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have XXXX setup with ChasXXXX and my XXXX XXXX  and a relative sent me a XXXX transaction to the wrong account and it is the same account that I have overdraft fees. I called XXXX to see if I can have it reversed but I cant reach them. I also asked Chase to reverse the transaction but they said they can not allow it. It wouldnt been an issue if my account wasnt overdrafted but it made it difficult to reverse the issue because Chase do not allow reversing XXXX transactions. I can not do anything about it since the overdraft took the XXXX payment and that XXXX transaction isnt for that bank account. I would like to know if anybody can help me reverse the action. Or how to get a hold of XXXX or how to tell them to undo the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA Federal Savings Bank closed my account after I reported unauthorized fraudulent activity. After the account was closed, they informed me that my remaining disputes were denied, and they are still holding all of my funds for 60 days. I have not received any written explanation, specific policy citation, or official closure letter explaining why my money is being held for that long.

Timeline I reported fraudulent transactions on my account on or around XX/XX/year>. USAA restricted and then permanently closed the account. I was later notified via that my remaining fraud disputes were denied, yet my funds are still frozen for a full 60 days. I have repeatedly requested documentation of both the closure and denial decisions, but Ive only been told verbally that its policy.

I am a veteran and rely on these funds for rent, bills, and daily expenses. The total amount being held is approximately {$16000.00}. USAAs refusal to provide clear information or release undisputed funds has caused financial hardship.

Request : 1. A written explanation detailing why my account was closed, why my disputes were denied, and what policy authorizes USAA to hold my funds for 60 days.

2. Immediate release of any funds.

3. A specific release date for the remaining balance, and assurance that it will be mailed or transferred by that 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 explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am submitting this complaint because the company continues to report or contact me regarding an alleged debt. 

On XX/XX/year>, I submitted a written notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act requesting that all communication cease.

This letter is attached for verification. I am requesting the CFPB ensure compliance and cessation of all further contact regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
sense XXXX and this is my second time asking through the cfpb to give me access to my credit file with experian, they have willfully not allowed me access to my report, and has allowed reporting to my credit report without my permission!

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 2025-10-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Americor Funding, LLC
State: WA

Complaint narrative:
I enrolled in Americors debt-settlement program after being told by their sales agent that Americor was a nonprofit organization. I later learned this was false and canceled my account on XX/XX/year>. 

During my cancellation call, I was told I would receive written confirmation of closure within five business days. Instead, on XX/XX/year>, Americor and/or its settlement-account partner withdrew funds from my settlement account ( fees to XXXX XXXX XXXX and XXXX XXXX  XXXX totaling about {$570.00} ).

That same day I also received a new settlement offer email, showing they continued processing my file after cancellation. These withdrawals and communications occurred after my formal cancellation and were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital systems called me while working, I did not answer the phone. They proceeded to contact my dad, and grandparents in regard to my debt. I did not give them permission to contact anyone else about my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
PLEASE BLOCK AND REMOVE. 
This is an inaccurate account and should be deleted promptly. I never approved it. Documentation is provided.

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 2025-10-10 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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company 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 2025-10-10 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: DC

Complaint narrative:
I am writing regarding a collection/charge-off account reported by XXXX XXXX, which I believe to be inaccurate. I contacted XXXX XXXX to dispute the validity and accuracy of this account as it appears on my credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of a debt. Reporting inaccurate information to credit reporting agencies violates this provision. 

Given that I believe this account is inaccurate, I am requesting that it be removed from my credit report. I respectfully ask that XXXX XXXX investigate this matter and take appropriate steps to ensure compliance with the FDCPA, including the deletion of this account if it can not be verified with accurate and complete documentation.

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 2025-10-10 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: DC

Complaint narrative:
I am writing regarding a collection/charge-off account reported by XXXX XXXX, which I believe to be inaccurate. I contacted XXXX XXXX to dispute the validity and accuracy of this account as it appears on my credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of a debt. Reporting inaccurate information to credit reporting agencies violates this provision. 

Given that I believe this account is inaccurate, I am requesting that it be removed from my credit report. I respectfully ask that XXXX XXXX investigate this matter and take appropriate steps to ensure compliance with the FDCPA, including the deletion of this account if it can not be verified with accurate and complete documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing the information reported by Portfolio Recovery Associates. This account is listed as a collection but reflects an active or open balance, which may duplicate a charge-off still reported by the original creditor. This is potentially inaccurate and misleading under the FCRA 1681s-2 ( a ) ( 1 ) ( A ) and FDCPA 1692e ( 2 ) ( A ).

Please reinvestigate and ensure the account accurately reflects its status as a closed collection or remove it if unverifiable.

Please provide written confirmation of the results of your reinvestigation within 30 days as required by the FCRA This conduct may violate multiple federal consumer protection laws : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing information to credit reporting agencies that is known or should be known to be inaccurate. 

FCRA 1681i ( a ) Requires a reasonable reinvestigation of disputed information within 30 days.

FDCPA 1692e ( 2 ) ( A ) Prohibits false, deceptive, or misleading representations regarding the character, amount, or legal status of a debt.

FDCPA 1692e Broadly prohibits any false, deceptive, or misleading means in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> Mortgage {$250000.00} XXXX XXXX  Reported Deliqueny to credit bureau I have mortgage on my rental property. I had two autopay mortgages with XXXX  XXXX was working and the other was not, I was assuming that both autopay was working. But it was not and the Bank reported delinquency and sent my home for closure without my knowledge. I new my house went for closure from local lawyers who assist with closure, As soon as I found this I contacted the bank and paid in full at once, I have not received official notice or registered letter from the bank and they sent my home for closure, They know damaged my credit score and I can not refinance or get loans,

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 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting to formally dispute inaccurate, misleading, and unverifiable information being reported on my Equifax, Experian and TransUnion credit report regarding the account XXXX  XXXX, which reflects a reported balance of {$3500.00} and an alleged 30-day late payment in XX/XX/year>. This late payment entry is inaccurate and inconsistent with the verified payment history for this account, and therefore must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( 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 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Fund
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report I noticed several inaccuracies associated with this account.This account is negatively affecting my ability to obtain credit.I am requesting that you conduct a thorough reinvestigation to verify the accuracy and completeness of the information, as required under the Fair Credit Reporting Act ( 15U.S.C.1681i ). In accordance with with the Fair Credit Reporting Act convergent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15U.S.C 1681sec. 602A ; States I have the right to privacy 15U.S.C 1681sec. 604A sec.2 ; a customer reporting agency can not furnish an account without my written instructions.

15 U.S.C. sec.1681i ( a ) ; if you cant provide proof, the account must be immediately deleted.

15 USC 1681e ( b ) ; account must be 100 % accurate and verifiable 15U.S.C.1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer containing any of the following items of information any other adverse items of information other than the records of convictions of crimes, which antedates the report by more than seven years. I have reason to believe that all of these rights have been violated. I would like all of these accounts re-investigated and deleted immediately if any incomplete inaccurate or unverifiable information is found. Thanks in advance. / 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> Mortgage {$250000.00} Truist Bank Reported Deliqueny to credit bureau I have mortgage on my rental property. I had two autopay mortgages with Truist one was working and the other was not, I was assuming that both autopay was working. But it was not and the Bank reported delinquency and sent my home for closure without my knowledge. I new my house went for closure from local lawyers who assist with closure, As soon as I found this I contacted the bank and paid in full at once, I have not received official notice or registered letter from the bank and they sent my home for closure, They know damaged my credit score and I can not refinance or get loans,

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 2025-10-10 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: WA

Complaint narrative:
b'Good day,\n\nI am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute; however, upon reviewing my updated report, I found that several of these inaccurate items remain.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: WA

Complaint narrative:
b'Good day,\n\nI am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute; however, upon reviewing my updated report, I found that several of these inaccurate items remain.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation