vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Subject : Missing Payments From Chase Funds Deducted but Not Received by XXXX  or XXXX I met with representatives at XXXX XXXX XXXX in XXXX regarding several missing payments that were supposed to transfer from my Chase account. During the review, XXXX confirmed activity on my XXXX account. 

The Chase payments I attempted to send to XXXX  are missing. 



Visit to Chase Bank XXXX, CO Location : XXXX XXXX XXXX, XXXX, CO XXXX Date of visit : Today I met with Chase representatives regarding the missing payments. I was informed that multiple customers have reported the same issuepayments sent from Chase to XXXX appear to be deducted from Chase accounts, but the payments never reach XXXX. According to Chase staff, the funds are essentially in XXXX  and not returned to customers accounts. 

Chase confirmed that the following deductions occurred from my account but were never credited back and were also not received by the intended XX/XX/XXXX {$3000.00} payment deducted but not received by XXXX  XX/XX/XXXX {$500.00} payment to XXXX deducted ; XXXX never received it Chase also mentioned that if I bring in the {$500.00} check associated with the XXXX transaction, they will deposit it manually into my Chase account. 
They would benefit from the float, obviously. 

At this time, the missing payments have not been delivered to XXXX ( account ending in XXXX ) or XXXX, and the funds have not been returned to my Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
I am filing a complaint on a VA backed mortgage originated by Veterans Untied on a property that did NOT meet VA minimum property requirements ( MPR ), was not eligible for VA financing, and contained undisclosed structural, sanitation, and septic defects that should have prevented the loan from closing. 
XXXX XXXX approved and closed a loan on XXXXXXXX XXXX XXXX XXXXXXXX XXXX ARIZONA XXXX despite:1. XXXX XXXX XXXXXXXX violations ( missing siding, exposed eaves, moisture intrusion, bathroom with standing water and no ventilation ) .2. No septic inspection, no septic transfer documents, and no verification of required Arizona septic law compliance in an unincorporated area. 3. A defective appraisal that failed to identify obvious MPR violations. 4. Title company deficiencies including missing disclosures and wrongful charges.

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 2025-11-24 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:
I am writing to dispute several entries on my Equifax credit report. I believe these entries contain inaccuracies and may be in violation of the Fair Credit Reporting Act ( FCRA ). In addition, I am concerned that these inaccuracies may be the result of a data breach. I request a thorough investigation into these entries and an update to my credit report if any errors are found. 
Below are the accounts I am disputing : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed Balance : {$750.00} Dispute Reason : The account is inaccurately reported as " Collection or Charge Off. '' I dispute this due to incorrect information regarding the payment status and last activity. The reporting does not match my payment history. Under the FCRA, inaccurate data must be corrected or removed. 
Data Breach Concern : I suspect that a potential data breach could have contributed to these inaccuracies. I request that Equifax verify the security of my personal data related to this account. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Balance : {$4500.00} Dispute Reason : This account is reported as a collection account, but the status does not align with my records. There are discrepancies in the payment history, and I am disputing the reported charge-off status.

Data Breach Concern : Given the errors in reporting, I am concerned that unauthorized access to my data may have contributed to these inaccuracies. Please investigate any potential breaches and provide clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: OH

Complaint narrative:
On XX/XX/XXXX at around XXXX I called to settle a debt of {$800.00} that I noticed when I ran a self credit report. 

After not being eligible for financial hardship help the agent said that the payment needs to be done today or else they will not remove it from my credit. I explained to the agent that I need my credit cards and such to pay off moving costs for my family to move to Ohio. I asked if I could do it some other time and he said that no it needs to be done now since it can be. Agent was also very aggressive when I was asking basic questions which made me suspicious on if he was telling the truth or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Lowes Credit Card company charged me a {$41.00} late fee. They admit my check was received before the due date but still charged me a {$41.00} late fee. Synchrony fines me the late fee but knows they delayed payment for several business days before depositing. They admit it in the chat.

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 2025-11-24 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:
I am submitting this formal complaint regarding XXXX, Experian, and TransUnions continued reporting of several negative items that remain inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Despite previous disputes, the credit reporting agencies have either marked these items as verified as reported, updated, or left them in active dispute status without providing any valid documentation, proof of accuracy, or a legally required Method of Verification from the original creditors.

The following accounts were most recently disputed and continue to be reported incorrectly : XXXX XXXX XXXX Collection Opened XX/XX/XXXX Updated/Verified XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Updated/Verified XXXX XXXX XXXX Collection XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX XXXX XXXX XXXX contain material inaccuracies relating to payment history, balance accuracy, charge-off dates, account status, and Date of First Delinquency ( DOFD ). Several appear re-aged, improperly coded, or reported using inconsistent data fields that violate Metro 2 reporting standards and the CRAs duty to ensure maximum possible accuracy.

Furthermore, none of the credit bureaus provided a legally sufficient Method of Verification, as required under : FCRA 1681g ( a ) FCRA 1681i ( a ) ( 7 ) No bureau has provided any of the following : Original contracts bearing my signature Application or agreement documents Itemized statements Chain of title or assignment records Proof of ownership by the collector Documents actually used to verify the accounts The responses received do not satisfy the CRAs legal obligations under FCRA 1681i, which requires a reasonable reinvestigation, nor FCRA 1681e ( b ), which mandates the reporting of maximum possible 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 2025-11-24 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: CA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. After thoroughly reviewing my credit file, I have identified discrepancies that require your attention. I request that these items be investigated and corrected accordingly. 

CHARGED-OFF ACCOUNTS : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Discrepancy : The account is inaccurately reported as charged-off with a balance of {$0.00}. Please verify and update this information based on accurate records. 


LATE PAYMENTS : Account Name : XXXX XXXX Account Number : XXXX Discrepancy : This late payment was not accurately reported or is outdated. Please review and correct this information. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Discrepancy : This late payment was not accurately reported or is outdated. Please review and correct this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Please accept this letter as my official notice disputing the listed accounts. I have no relationship with them and did not permit their creation. I am requesting an immediate review and deletion. 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I mobile deposited a check for my wife and they froze my account in XXXX i called and they requested Id ssc and proof of funds. I sent them everything they asked for since Im not able to visit a branch its almost 7 hours away. Today I called they saying I need to visit a branch I explained again why I couldnt and asked to close the account or cancel the deposit the said no the check deposited was a tax refund check from the irs I provided every verifying information that any body could need

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an American Express cardmember since XXXX with a 36-year history of on-time payments and no delinquencies. On XX/XX/XXXX, I received a notice from American Express stating that my account is under review for a possible credit limit reduction unless I make a payment of {$2500.00} within approximately 72 hours. 

I have never missed a payment. My income has not changed. There is no risk-based reason for this action. This appears to be an algorithmic or automated decision that does not take into account my long, positive history with the company. 

The demand for a large, arbitrary payment in a very short timeframe is unreasonable, punitive, and inconsistent with fair lending expectations. It also does not provide adequate notice before taking adverse action, nor does it provide a meaningful explanation regarding the criteria used in their automated scoring system. 

Additionally, when I attempted to resolve this by phone, my call was dropped, and I was left on indefinite hold for extended periods when trying to reach their credit/risk department. I was unable to obtain a clear explanation or a human review of the decision. 

I

have two ( 2 ) American Express accounts that have been affected by this behavior. I am requesting that the CFPB review : Whether American Express is complying with
federal requirements regarding adverse action notices and reasonable timelines.

Whether their automated system is improperly triggering adverse actions without human review. 

Whether demanding a {$2500.00} payment in three days is a reasonable or appropriate requirement for a 36-year customer with a spotless payment history. 

Whether adequate disclosures, notice, and explanations were provided as required under the Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act ( FCRA ). 

I am requesting that American Express : Pause the limit-reduction action, Conduct a manual human review, Provide a clear explanation of the criteria used in the automated decision, and Confirm that my credit limit will not be reduced due to an algorithmic trigger that does not reflect my actual creditworthiness.

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$540.00} Many of these accounts disagree with the dates and balances shown on XXXX XXXX XXXX I am requesting full verification. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize several of these inquiries. Please verify or delete those that can not be validated. 

LATE PAYMENT XXXX XXXXXXXX This late payment appears incorrect. Please review and verify.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no public records tied to my credit file, and these entries are unacceptable. Please remove them immediately, as they are causing me significant anxiety and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sezzle Inc.
State: MS

Complaint narrative:
I am filing a complaint against Sezzle Inc for reporting a charge-off account that does not belong to me. The account number ends in XXXX. I never opened a Sezzle line of credit, never authorized these transactions, and I have no relationship with Sezzle. 

This account is being reported inaccurately as a charge-off and was closed by the credit grantor. I requested validation from Sezzle, including proof that I opened the account, signed documentation, device information, and transaction authorization. They have been unable to produce proper proof. 

Despite a clear lack of validation, Sezzle continues reporting this account to the credit bureaus, which violates the FCRA. I am requesting immediate deletion of this account from my credit files and a complete explanation from Sezzle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Subject : Request for Immediate Correction of Credit Reporting To whom it may concern, I am contacting you regarding the continued reporting of my account as a " charge-off. '' According to your official response, Velocity Investments stated that : - The account was settled in full. 
- The account has been closed since XX/XX/year>. 

- Velocity does not report tradeline information to credit reporting agencies. 

Despite this, the account continues to appear on my credit report as a charge-off, which is inaccurate and causing harm to my credit profile. 
Additionally, because the original creditor was XXXX XXXX I am requesting proof that Velocity Investments has notified XXXX XXXX that the account was settled in full. This documentation is necessary to ensure that XXXX XXXX or any other data furnisher is not continuing to report incorrect or negative information regarding this account. 
I am requesting the following : 1. Immediate investigation into why this account is still being reported as a charge-off. 
XXXX. Written confirmation that Velocity Investments has notified XXXX XXXX and any other relevant parties that the debt was settled in full and should not be reported negatively. 
XXXX. Documentation showing that Velocity Investments has taken all necessary steps to correct or remove any incorrect tradeline reporting. 
Please treat this as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect a written response within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX charged {$3500.00} to my card. Around XX/XX/year> I received notification from my XXXX XXXX asking if the transaction was fraud. I confirmed that the charge was mine and a valid charge. They advised they would release the pending fraud hold and pay the merchant since I confirmed. In reviewing my statement I can see where the charges were present and payment is due on them. On XX/XX/year> I received a notification from the merchant that a chargeback for a lessor amount of {$3000.00} had been received from XXXX and that I owed them payment directly. Myself and the merchant conducted a 3way call with XXXX who advised no charge back was initiated. Myself and the merchant requested an investigation be conducted on the {$3000.00} and proof of actual payment be provided. XXXX has provided nothing. Each time I call they open an escalation that goes no where. No proof of payment has been provided and no resolution offered. At this time the merchant is pursuing legal action against me stating that I attempted to defraud them.

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 2025-11-24 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: NV

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX and XXXX  XXXX.

Company response to consumer: Closed with explanation