vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I Incurred a {$94.00} debit to my Chase checking account, from a XXXX ATM. Chase also Charged a {$3.00} fee additionally. I noticed this on XX/XX/XXXX, and put the dispute in through the phone. On XX/XX/XXXX, I received a notice that the transaction was authorized, and that they will be removing the temporary credit. 

I am frustrated because I havent used a non-chase atm in a long period of time ; it is clearly an unauthorized use, despite them saying it was authorized. I feel like there was not much investigation done. 

I will be requesting more information from Chase, hopefully explaining the situation better

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: WI

Complaint narrative:
I submitted an identity theft dispute to Equifax including an FTC Identity Theft Report and all required documentation under section 605B of the Fair Credit Reporting Act. As required by federal law, the disputed information must be removed or blocked within XXXX business days. Equifax failed to comply within that window, which constitutes a violation of the FCRA. 

After this violation, I submitted a complaint through the CFPB. In response, Equifax stated that they are still working on it. However, the dispute status in their system shows closed, and I was notified that no changes would be made to the accounts. This is in direct violation of federal law, which mandates blocking unverifiable identity theft items when proper documentation is submitted. 

I believe this is a deliberate stalling tactic, where the bureau acknowledges a CFPB complaint with vague language claiming continued review even though the dispute process is actually closed and no corrective action was taken.

This failure to comply with FCRA section 605B is harming my credit standing and delaying important financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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
Consumer complaint received 2025-06-29 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:
This letter serves as my formal dispute and legal demand for immediate reinvestigation and permanent deletion of the following accounts from my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Disputed Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two separate entries ) These accounts contain multiple violations including, but not limited to : - Inconsistent account dates and balances across bureaus - Missing critical fields such as Credit Limits, Account Terms, Original Creditor, and Payment Histories- Reporting accounts without verification of lawful permissible purpose - Failure to maintain accurate data as required by FCRA 623 - Metro 2 format violations that render these items noncompliant and unreportable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
This letter serves as my formal dispute and legal demand for immediate reinvestigation and permanent deletion of the following accounts from my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Disputed Items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX separate entries ) These accounts contain multiple violations including, but not limited to : - Inconsistent account dates and balances across bureaus - Missing critical fields such as Credit Limits, Account Terms, Original Creditor, and Payment Histories- Reporting accounts without verification of lawful permissible purpose - Failure to maintain accurate data as required by FCRA 623 - XXXX XXXX format violations that render these items noncompliant and unreportable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
This letter serves as my formal dispute and legal demand for immediate reinvestigation and permanent deletion of the following accounts from my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Disputed Items : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX separate entries ) These accounts contain multiple violations including, but not limited to : - Inconsistent account dates and balances across bureaus - Missing critical fields such as Credit Limits, Account Terms, Original Creditor, and Payment Histories- Reporting accounts without verification of lawful permissible purpose - Failure to maintain accurate data as required by FCRA 623 - XXXX XXXX format violations that render these items noncompliant and unreportable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: VA

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX Account # XXXX Dear Experian and TransUnion, I am writing to formally dispute an inaccurate late payment AND UNVERIFIABLE INFORMATION REPORTED AS NEGATIVE reporting from the year XXXX that appears on my consumer reports with your agencies. This late payment is associated with the above-referenced account. Upon review of my XXXX  credit report, I discovered that this account is accurately listed as Paid as Agreed with no late payments reported. 
Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights pursuant to : 15 U.S. Code 1681c-2 which provides consumers the right to request the removal of outdated or inaccurate adverse information.

15 U.S. Code 1681i which requires credit reporting agencies to reinvestigate disputes and remove unverifiable or inaccurate information.

15 U.S. Code 6802 which mandates financial institutions to protect the confidentiality and accuracy of consumer information.

15 U.S. Code 1681n which outlines civil liability for willful noncompliance with the FCRA.

Since the late payment in question is neither consistent across all three credit bureaus nor verifiable as accurate ( given that XXXX  reports the same account as current and never late ), I am requesting an immediate reinvestigation and deletion of the XXXX late payment from both my Experian and TransUnion credit files. 

Please note that failure to correct this inaccurate reporting may constitute a willful violation of the FCRA, and I reserve the right to pursue civil remedies if this matter is not resolved promptly. 

I am requesting that a detailed report of your reinvestigation findings be provided in writing within the statutory timeframe of 30 days, as required by federal law. 

PLEASE UPDATE THE ACCOUNT PROMPTLY AS " PAID AS AGREED '' ON BOTH OF MY CONSUMER REPORTS AS THIS NEGATIVE, FRAUDULENT INFORMATION IS HURTING MY CREDIT SCORE, MY REPUTAION AND MY PROSPECTS OF GETTING A GOOD JOB, CREDIT AND BUYING A HOUSE., SEND ME A COPY OF MY CORRECTED CONSUMER REPORT FORTHWITH. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To : XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, PA XXXX RE : WELLS FARGO Account # XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute an inaccurate late payment AND UNVERIFIABLE INFORMATION REPORTED AS NEGATIVE reporting from the year XXXX that appears on my consumer reports with your agencies. This late payment is associated with the above-referenced account. Upon review of my XXXX credit report, I discovered that this account is accurately listed as Paid as Agreed with no late payments reported. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights pursuant to : 15 U.S. Code 1681c-2 which provides consumers the right to request the removal of outdated or inaccurate adverse information.

15 U.S. Code 1681i which requires credit reporting agencies to reinvestigate disputes and remove unverifiable or inaccurate information.

15 U.S. Code 6802 which mandates financial institutions to protect the confidentiality and accuracy of consumer information.

15 U.S. Code 1681n which outlines civil liability for willful noncompliance with the FCRA.

Since the late payment in question is neither consistent across all three credit bureaus nor verifiable as accurate ( given that XXXX reports the same account as current and never late ), I am requesting an immediate reinvestigation and deletion of the XXXX late payment from both my XXXX XXXX XXXX credit files. 

Please note that failure to correct this inaccurate reporting may constitute a willful violation of the FCRA, and I reserve the right to pursue civil remedies if this matter is not resolved promptly. 

I am requesting that a detailed report of your reinvestigation findings be provided in writing within the statutory timeframe of 30 days, as required by federal law. 

PLEASE UPDATE THE ACCOUNT PROMPTLY AS " PAID AS AGREED '' ON BOTH OF MY CONSUMER REPORTS AS THIS NEGATIVE, FRAUDULENT INFORMATION IS HURTING MY CREDIT SCORE, MY REPUTAION AND MY PROSPECTS OF GETTING A GOOD JOB, CREDIT AND BUYING A HOUSE., SEND ME A COPY OF MY CORRECTED CONSUMER REPORT FORTHWITH. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: JLO Ventures LLC dba Car By U
State: NC

Complaint narrative:
I purchased a car on XXXX from cars by u, I put a down payment of {$2000.00}, Leaving about {$1400.00} to be taken in by weekly payment of XXXX {$700.00} payments for remaining down payment, car salesman stated that if there was a problem paying the remainder of down payment to call in and they would adjust payments, I had already paid XXXX of the {$700.00} XXXX weeks after having the car I called dealer to inform them I wouldn't be able to make the last {$700.00} down payment as I was told to do, but I would be able to make first {$600.00} payment, they informed me that if I didn't make the last {$700.00} down payment and car payment of {$600.00} they we're going to reposses car, and that's what they did after only having car for 3 weeks, it cost me {$2700.00} dollars to only drive car for less than XXXX miles, I called them to refund my money and they refused and hung up on me each time I called them, now I'm out {$2700.00} and no car and haven't had a vehicle since because that was the only money I had, I haven't received any information if the car was sold or auction off, and if they did sale the car they made a profit which they owe me, and since I loaned them {$2700.00} want the interest as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I made a payment on this account, this credit card company is specifically on purpose slow to process payments and give limited options to collect higher interest and fees and charge back to the customer. I then requested a review to this XXXX XXXX on its ethics and practices and they opened my account with a XXXX XXXX late payment after i explained to them and so have hundreds of thousands of people complained on how slow it is to deduct payment from their checking account. Can take upwards to XXXX XXXX! Please remove my late payment as i have asked XXXX times and update your system for accepting payments! They literally have a XXXX XXXX hold time and when you do get on the phone it is someone with a thick accent you can barely understand to even proceed with the call

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After receiving new credit card and setting up autopay with a due date of XXXX XX/XX/year>, 5 days after due date was notified by email that autopay was cancelled. Contacted CapitalOne customer service and requested payment in full be made while on the phone. After verifying routing number and savings account number, twice, I was informed that payment would not go through. Requested payment be made from checking account and provided routing number with account number twice. Next day, I noticed payment did not go through and I was charged {$72.00} interest. Called Capitalone and requested supervisor. Requested supervisor to confirm routing and account number which she stated unable to do. Requested supervisor to enter routing number and checking account number be entered by her. She also stated she couldn't removed interest. Supervisor stated it would take until XX/XX/XXXX for payment to go completely through. After logging into my account around the XXXX, payment still not made. Spoke to fraud department and was advised to provide supporting documentation of account ownership via email. Information submitted on XX/XX/XXXX. On XX/XX/XXXX spoke to XXXX XXXX bank to verify account was in good standing. They stated it was with no notification from Capitalone of any issues. Capitalone has a case open with reference number can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I had an outstanding debt with Portfolio Recovery Associates that was recently paid in full. Despite this, they continued to call me daily. When I spoke with their representative, they claimed to have other debts in my name. I am unaware of these alleged debts, and they do not appear on my credit reports. 

During that call, I explicitly requested that all future communication be in writing. The representative confirmed on a recorded line that I was requesting a cease and desist of phone calls because my business with them was complete. 

The very next night, at XXXX XXXX., Portfolio Recovery Associates called me again and left no message. This call violated the Fair Debt Collection Practices Act ( FDCPA ) because it was : After XXXX XXXX. local time Made after they confirmed my cease and desist request I am filing this complaint because I believe this is harassment and a clear violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX XX/XX/XXXXXXXX Td/raymour and flanigan Account # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NJ XXXX Subject : Cease Collection Debt Cancelled and Reported to IRS To Whom It May Concern, I am writing regarding an alleged debt originally associated with raymour and flanigaan, account # XXXX which has been reported to the IRS as cancelled debt via Form XXXX for tax year XXXX. 

Under IRS regulations ( 26 U.S. Code 6050P ) and related IRS guidance, a creditor is only required to issue a 1099-C when a debt has been discharged or canceled. The issuance of this form indicates that the creditor considered the debt no longer legally collectible, and reported it as such to the IRS as income to me.

Accordingly : 1. I request that all collection efforts on this debt cease immediately.

2. If this debt was sold to your agency after the cancellation, I request that you provide legal proof of your right to collect it.

3. Any continued attempts to collect may constitute a violation of federal law, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and Potentially fraudulent double collection on a canceled debt. 




If this debt has been reported to any credit reporting agencies, I also request it be marked as " discharged/canceled '' and/or removed. 

Please provide a written response confirming that this matter is resolved. 

Sincerely, XXXX XXXX XXXX XXXX of social # XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they did not conduct a proper or reasonable investigation into the disputes I submitted. Despite my efforts to notify them of inaccurate and harmful information on my credit report, the bureaus have continued to report these items without sufficient verification. As a result, my credit score has suffered unjustly, limiting my financial opportunities and causing undue personal and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they did not conduct a proper or reasonable investigation into the disputes I submitted. Despite my efforts to notify them of inaccurate and harmful information on my credit report, the bureaus have continued to report these items without sufficient verification. As a result, my credit score has suffered unjustly, limiting my financial opportunities and causing undue personal and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Thank You. 

I would like to update my information on the use of these collections. 
I used my credit cards to pay for Medical bills and XXXX 
I understand that Medical Bills are not to be used for collections. 
I have since paid these Medical bills.

Company response to consumer: Closed with explanation