vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Final Original Creditor Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Central Portfolio XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX Greetings, I have previously made XXXX separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you vehano records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me. Please be aware that should you instigate a lawsuit against me without proof that I owe you anything at all, I now have evidence that you are creating a frivolous lawsuit. Instigating a frivolous lawsuit may subject you to sanctions by the court, including costs, fees, and penalties. I exhort you to carefully consider your course of action from this point forward. 
BEST, Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XX/XX/year> and XX/XX/year>, we been having issues with Bank of America holding on to an electronic deposits for 3 days. All other previous electronic deposits from XXXX were credited to our joint account next business day. Bank of America lies and state no deposit received but we have proof from XXXX XXXX that every XXXX of the month, payment us sent to Bank of America. Also Bank of America stop crediting our payment the next business day from tbe XXXX of each month.

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 2025-07-08 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: NV

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NV

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Since XX/XX/XXXX, Ive requested my loan agreement multiple times. On XX/XX/XXXX XXXX XXXX told me to call. On XX/XX/XXXX, I was told it HAD to be mailed due to company policy. On XX/XX/XXXXXXXX XXXX XXXX XXXX said it was emailed XX/XX/XXXX from XXXX XXXX, but I never received it, I also explained that the previous Rep said it could not be emailed and that I requested it to be mailed. On XX/XX/XXXX XXXX XXXX said it had already been sent to my email, I confirmed it was not. This Rep made another request for my loan agreement to be emailed AND physically mailed. I verified both my email and my address. On XX/XX/XXXX XXXX XXXX claimed it was re-emailed XX/XX/XXXX and mailed XX/XX/XXXX. A test email to XXXX worked, and I also provided XXXX. On XX/XX/XXXX, via their website chat function, XXXX XXXX told me to wait for my loan agreement to arrive, then the site crashed. I reconnected to a different Rep and asked how to submit a complaint, XXXX XXXX said written complaints arent accepted and I had to call. I was able to find a way to write a written complaint via their secure messaging portal under the section listed " complaint '' XXXX XXXX said to allow XXXX business days for my loan agreement to arrive. It has now been XXXX business days with nothing received. Today, XX/XX/XXXX I talked to XXXX XXXX, they hung up on me after having me on hold for XXXX minutes. After calling back XXXX XXXX Said She needed to " educate me '' on their policies which states it was not possible to email me a copy of my contract because that information is confidential and then placed me on hold to find out why I hadn't been mailed a copy of my contract. Then proceed to tell me that she made another request to have my contract mailed to me and it would take XXXX business days. In which I said I would be filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Company Reporting the Error : JPMorgan Chase ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Credit Bureaus Affected : XXXX XXXX XXXX Date Discrepancy : Last payment shows as XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX 

I am requesting the removal of a closed auto loan account from my credit reports due to inaccurate and inconsistent reporting across the three major credit bureaus. 

The account in question is a XXXX auto loan financed through JPMorgan Chase. It was paid in full and closed in XX/XX/XXXX. However, the date of last payment is reported differently XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX This constitutes inaccurate furnishing of information in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information. 

I have already disputed this with the bureaus via XXXX XXXX on [ insert exact date ], and I have screenshot proof of the discrepancies. 

Furthermore, this account contains multiple negative payment remarks from XXXX that I believe were incorrectly reported due to a bank account error not missed payments. I have documentation showing I had sufficient funds and intent to pay, which was ignored.

Given that this account is : 1. Paid in full, 2. Closed, 3. Inaccurately reported, 4. Contains disputed late payments tied to a system error, I am requ
esting that this account be deleted entirely from all 3 credit bureaus. Continued reporting of incorrect data even small discrepancies causes direct harm to my credit profile and violates federal law.

I respectfully ask that the CFPB intervene and require Chase and the credit bureaus to : Delete this account from my credit files Confirm removal in writing Cease all future reporting of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SC

Complaint narrative:
I went to XXXX 's on Friday XX/XX/year> I placed an order and paid for my order. My cash app debit card was charged {$22.00} and the money came out of my account immediately. XXXX 's claimed my transaction didn't go through so they refused to give me the food I ordered and refused a refund. The next day XX/XX/year> the payment changed from pending to completed and I never received the food I ordered and paid for so I called XXXX 's cooperate and made a report and I disputed the transaction with cash app. Cash app has denied my dispute twice stating that XXXX 's fulfilled their duties and provided goods or services when they absolutely did not. XXXX 's is still refusing a refund and a lady named XXXX XXXX at XXXX 's cooperate is still claiming on XX/XX/year> that there is no transaction with my card number of amount on their end that it must be a glitch on cash app side and they should be the ones to give me my money back and XXXX 's and cash app are both refusing to give me my money when I never received anything at all from XXXX 's that my card was charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A 1982 Student loan is reporting to my credit report and is beyond the statue of limitations. The account in question is 45 years old and has NOT had any ACTIVITY in 40 years. This company is reporting this account to my credit report as a new loan. This student loan company is unlawfully violating The fair Credit Reporting Act ( 15 U.S.C. 1681c ). This Debt should no longer be reported and deleted from my credit file.

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 2025-07-08 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: IL

Complaint narrative:
A 1982 Student loan is reporting to my credit report and is beyond the statue of limitations. The account in question is 45 years old and has NOT had any ACTIVITY in 40 years. This company is reporting this account to my credit report as a new loan. This student loan company is unlawfully violating The fair Credit Reporting Act ( 15 U.S.C. 1681c ). This Debt should no longer be reported and deleted from my credit file.

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 2025-07-08 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-08 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: TX

Complaint narrative:
This letter serves as a formal dispute of an account that was fraudulently created under my identity. I had no involvement in opening this account and have never authorized anyone to use my personal information. 
It is imperative that you act swiftly to investigate and remove this account from my credit report. Under federal law, consumers are protected from the harmful impact of identity theft, and you are obligated to ensure only accurate, verifiable information is reported. 
Please provide written confirmation of the accounts removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Illinois XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, CA XXXX ] RE : Notice to Validate Debt / Dispute Collection Account # XXXX To Whom It May Concern : I am requesting validation of the debt you claim I owe as provided for by the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( b ).

Please provide the following : 1. A copy of the original signed contract or agreement.

2. Proof that you are authorized to collect this debt in my state.

3. Complete payment history including how the amount was calculated. 
4. Your debt collector license number and the issuing state.

Per 15 U.S. Code 1692g ( b ), you must cease collection activities until validation is provided. Also, under FCRA 15 U.S. Code 1681s-2 ( b ), if you are reporting this account to any credit reporting agency, it must be reported as in dispute.

If you can not validate this debt, you must : Delete it from all credit bureaus, Cease all collection activities, Stop all communication with me except to confirm deletion. 
This letter is a formal dispute. I request all communications be done in writing. Failure to comply will be reported to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorney general. 
Sincerely, [ 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 2025-07-08 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: MS

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 


Subject : Request for Removal of Medical Debt Information in Compliance with CFPB Final Rule Dear : TransUnion I am writing to formally request the removal of specific medical debt information from my credit report, in accordance with the recent rule finalized by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, which prohibits the inclusion of medical bills on credit reports used by lenders. 

Details of the Medical Debt Entries : Creditor Name : SOUTHERN CR ADJUSTERS IN XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number : Last 4 numbers are XXXX Date of Service or Collection : XX/XX/XXXX Amount : XXXX The CFPB 's final rule aims to enhance consumer privacy and prevent the use of medical debt information in lending decisions. As such, I request that the above-mentioned medical debt entries be promptly removed from my credit report to reflect compliance with this regulation. 

Please provide written confirmation of the removal of these entries. If you require any additional information or documentation to process this request, feel free to contact me at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Regarding my auto loan account with XXXX XXXX, There are two specific late payments being reported for the months of XX/XX/XXXX and XX/XX/XXXX however, they are not consistently reported across all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies and furnishers are required to ensure the maximum possible accuracy of any information reported. If a late payment appears on one bureau but is missing or reported differently on another, it calls into question the accuracy and reliability of the data.

This inconsistency may create confusion, impact my creditworthiness unfairly, and is grounds for further investigation and correction under federal consumer law. 

I am requesting that this account be re-investigated, and that any inaccurate, incomplete, or inconsistent late payment reporting be corrected & updated if it can not be verified and properly updated across all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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