vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: AL

Complaint narrative:
WESTLAKE FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE FIN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 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
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank, N.A. regarding two separate sets of unauthorized charges on my business checking account ( ending in XXXX ) under XXXX XXXX. 

XXXX. XXXX Unauthorized Recurring Charges A company called XXXX charged my business checking account $ 30 monthly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX These charges were not authorized. I do not have an account with XXXX for that amount. When I noticed the charges, I immediately contacted Chase, reported the fraud, and had the associated card closed. Chase issued temporary credits, but later sent letters stating the credits would be reversed and the charges reapplied, without a meaningful explanation or proper investigation. 

XXXX. XXXX Charge After Cancellation & Timely Dispute On XX/XX/XXXX, a charge for {$100.00} from XXXX  appeared on my account, even though I had cancelled the subscription in XXXX. I disputed this charge with Chase while it was still pending and explained that the subscription had been cancelled. Chase issued a temporary credit, but then sent a letter stating the dispute was denied and the charge would be reapplied to my account.

Despite disputing the charge immediately and providing cancellation context, Chase denied the claim without offering further options or providing a clear reason.

I believe Chase has mishandled both of these cases. In both, I acted promptly, reported the issues during or immediately after the charges occurred, and followed Chases procedures. Still, I am being held responsible for unauthorized or invalid charges totaling over {$300.00}, which is financially harmful to my business. 

I am requesting the CFPBs assistance to : Ensure all unauthorized XXXX  charges are reversed and not reinstated. 

Ensure the XXXX charge from XX/XX/XXXX, is permanently refunded due to prior cancellation and prompt dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Last XX/XX/XXXX, I received a letter from Banco Popular de Puerto Rico indicating that my personal loan due in XX/XX/XXXX had a balance of {$5400.00} ( the monthly payment was {$690.00} ), which was due in full of the XXXX payment. This balance arose because the bank granted an automatic three-month moratorium during the XXXX pandemic. 

Agreeing to the above, on XX/XX/XXXX, I approached Banco Popular de Puerto Rico to request a new personal loan to make the final payment of {$5400.00}, which was denied. 


I contacted the bank 's customer service department again, and the bank proposed a payment plan of {$1200.00} with a due date of the XXXX, beginning in XX/XX/XXXX and ending in XX/XX/XXXX, which was accepted. The XXXX and XXXX payments were accepted by the bank without any problems. During the month of XXXX, I received a collection letter from the bank. I contacted the bank to understand the situation with the collection letter, and they told me that even with the payment plan agreement, the loan was in arrears. 

On XX/XX/XXXX, I went to make the corresponding payment, and the person who assisted me indicated that they could not accept the payment. After making a few calls, they accepted the payment, but it was not reflected on the website for that day ( as usual ) or the following day. 



On XX/XX/XXXX, I received a call from an external debt collector from the bank collecting the loan, and I informed them that I had a payment agreement with the bank. Not satisfied with what I told him ; he came to my house. 



That same day, I went to speak with the manager of the XXXX XXXX branch. After explaining the situation, they informed me that when I made the payment plan, the bank should have changed the payment due date to XXXX instead of XXXX, as it was originally scheduled for. At this point, I realized the situation and, reviewing my credit file, I noticed that Banco Popular de Puerto Rico had been reporting late payments of up to 90 days on my credit report, even though the situation was their own doing. This loan had never been in arrears in its history ; it was paid perfectly from the beginning, and now only the XX/XX/XXXX payment is owed. 

My interest in this claim is to have it removed from my credit history with XXXX  and any other reports where Banco Popular has issued these late payments. It must demonstrate that the loan has been paid perfectly from the beginning, as it has been up to now, according to the payment plan they proposed to me, which I have followed as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXXTo:\nExperian\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: Follow-Up Dispute Notice  XXXX XXXX XXXX Account XXXX XXXX XXXXFCRA Violations: Continued Reporting of Inaccurate Account Information\n\nTo Whom It May Concern,\n\nThis letter serves as a formal follow-up to my prior dispute regarding the XXXX credit card account ending in XXXX  which continues to be reported inaccurately on my credit profile despite my previous written request for correction under the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681i.\n\nI am requesting immediate reinvestigation and correction/removal of this XXXX  account, which is being reported erroneously. This inaccurate reporting constitutes a willful and/or negligent violation of the FCRA, particularly:\n15 U.S. Code  1681i(a)  Failure to conduct a reasonable reinvestigation within the 30-day period.\n\n15 U.S. Code  1681s-2(b)  Furnishers duty to investigate and correct inaccurate information.\n\n15 U.S. Code  1681e(b)  Failure to ensure maximum possible accuracy in reporting.\n\nDespite my good-faith efforts to resolve this matter, the credit bureaus have failed to act in accordance with federal law. If this item is not immediately corrected or removed, I am prepared to pursue all legal remedies available, including:\nFiling complaints with the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC)\nSeeking monetary damages in civil court for willful and negligent noncompliance under 15 U.S. Code  1681n and  1681o\nPlease conduct a proper investigation and provide written confirmation that the XXXX account in question has been deleted or corrected. If you believe the account is being accurately reported, then provide complete documentation from XXXX XXXX XXXXerifying the legitimacy, balance, and reporting status of this account.\n\nEnclosed are copies of my previous dispute, identification, and any supporting documents to assist with this process.\nYou have 15 days from receipt of this letter to respond and correct this error. Failure to do so will result in immediate legal escalation without further notice.\nSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXXTo:\nExperian\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: Follow-Up Dispute Notice  XXXX XXXX XXXX Account XXXX XXXX XXXXFCRA Violations: Continued Reporting of Inaccurate Account Information\n\nTo Whom It May Concern,\n\nThis letter serves as a formal follow-up to my prior dispute regarding the XXXX credit card account ending in XXXX  which continues to be reported inaccurately on my credit profile despite my previous written request for correction under the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681i.\n\nI am requesting immediate reinvestigation and correction/removal of this XXXX  account, which is being reported erroneously. This inaccurate reporting constitutes a willful and/or negligent violation of the FCRA, particularly:\n15 U.S. Code  1681i(a)  Failure to conduct a reasonable reinvestigation within the 30-day period.\n\n15 U.S. Code  1681s-2(b)  Furnishers duty to investigate and correct inaccurate information.\n\n15 U.S. Code  1681e(b)  Failure to ensure maximum possible accuracy in reporting.\n\nDespite my good-faith efforts to resolve this matter, the credit bureaus have failed to act in accordance with federal law. If this item is not immediately corrected or removed, I am prepared to pursue all legal remedies available, including:\nFiling complaints with the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC)\nSeeking monetary damages in civil court for willful and negligent noncompliance under 15 U.S. Code  1681n and  1681o\nPlease conduct a proper investigation and provide written confirmation that the XXXX account in question has been deleted or corrected. If you believe the account is being accurately reported, then provide complete documentation from XXXX XXXX XXXXerifying the legitimacy, balance, and reporting status of this account.\n\nEnclosed are copies of my previous dispute, identification, and any supporting documents to assist with this process.\nYou have 15 days from receipt of this letter to respond and correct this error. Failure to do so will result in immediate legal escalation without further notice.\nSincerely,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 2025-07-03 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-07-03 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-07-03 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:
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 explanation
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-07-03 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: FL

Complaint narrative:
b'I am submitting a formal complaint regarding inaccurate and unauthorized items \nappearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it cannot be substantiated with full documentation and proof of ownership\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
b'I am submitting a formal complaint regarding inaccurate and unauthorized items \nappearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it cannot be substantiated with full documentation and proof of ownership\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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 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 explanation
Consumer complaint received 2025-07-03 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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