vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A business credit card was opened under my business with Chase. I was an authorized user at the time and placed an initial product order. Shortly afterward, my former business partner falsely reported to Chase that the items were never delivered. I believe the card was then reported as lost or stolen without my authorization. 

Chase issued a replacement credit card without my knowledge or consent and mailed it to a mailbox I did not have access to and did not have a key for. I did not request a replacement card and was not notified that one had been issued or mailed. 

After I became the sole owner of the business, documentation was submitted to update the account and remove my former partner as an authorized user. Despite this, the business credit card was later moved or associated with a different business without my authorization. 

Multiple unauthorized purchases were made using a replacement card that I did not know existed. These transactions occurred on or around XX/XX/XXXX. I did not make or authorize these charges and never had possession of the replacement card. 

During this time, Chase altered account alerts and notification settings without my knowledge, preventing me from receiving fraud alerts or transaction notices. Additional replacement cards were later sent without my request or authorization. 

In XX/XX/XXXX, I received Chase statements showing multiple payments made to this same business credit card totaling {$22000.00}. I did not make these payments and did not authorize them. A police report for identity theft and fraud was filed. 

Despite repeated requests, Chase has refused to provide account records, transaction details, access logs, mailing history, or documentation explaining how replacement cards were issued, where they were mailed, who made the payments, or why the account was altered without my consent. This refusal has prevented me from fully protecting my business, resolving identity theft, and correcting fraudulent activity. 

This is my business account. I am the rightful owner. Chases actionsincluding issuing replacement cards without authorization, mailing cards to an inaccessible address, changing alerts without consent, allowing unauthorized charges and payments, and refusing to provide recordshave caused significant financial harm and security risk. 

This complaint is aligned with my police report, FTC identity theft report, and Chase XXXX XXXX escalation. I am requesting a full investigation, release of all account records, correction of the account history, reversal of unauthorized activity, and appropriate remediation. 

I am requesting written confirmation of findings and all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This account was fully paid, but my file continues to show delinquency history please remove those inaccurate late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I disputed multiple U.S. Department of Education accounts reporting late payments on my Experian credit report. In my original dispute, I specifically requested Experians method of verification, as required by the Fair Credit Reporting Act ( FCRA ), not a description of the furnishers investigation. 

Experian responded with a generic explanation of its dispute process, stating that it may contact furnishers and review their responses. This response did not disclose Experians actual method of verification, including what documents were reviewed, who conducted the verification, or how Experian independently confirmed the accuracy of the reported late payments. 

I sent a second, follow-up demand reiterating my request under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) for Experians method of verification. Experian again failed to provide the required information. Despite this failure, the disputed late payments remain on my credit file. 

I then sent a third and final dispute, demanding either : 1. Full disclosure of Experians method of verification, or 2. Deletion of the Department of Education late payment entries as unverifiable. 

Experian has still not provided : The specific verification procedure used The documents or data reviewed The identity of the Experian employee or department responsible Proof of independent verification beyond a furnisher response Merely relaying or accepting a furnishers response does not satisfy Experians obligations under the FCRA. Automated or furnisher-only verification is insufficient where accuracy is disputed and the method of verification is requested.

Experians continued reporting of these late payments without providing the required method of verification constitutes ongoing noncompliance.

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was charged for a subscription I had canceled. PayPal denied my claim twice, even after submitting valid proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MI

Complaint narrative:
I got unauthorized transactions from XXXX on my XXXX card. My unauthorized transactions was denied. I can't understand why when my husband was kidnapped by a cab driver and made my husband send these to him or he will kill my husband. I had nothing to do with the unauthorized transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All send through XXXX XXXX XXXX I would never send these when I am on XXXX XXXX  month when I got bills to pay and now all my bills are double.

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 2025-12-25 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: TN

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: VA

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
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
My vehicle was repossessed in Texas by United Auto Credit. Within XXXX hours of the repossession, I made a post-repossession payment that was accepted and posted by United Auto Credit on XX/XX/year> in order to reinstate or redeem the vehicle. 

Despite payment being accepted, United Auto Credit has refused to release my vehicle and stated that I must wait 10 days after payment before the vehicle can be released. 

When I asked for the legal basis for this delay, I was given conflicting and misleading explanations. I was first told the delay was required by federal law. When I questioned that explanation, I was then told it was company policy. I was later told the delay applied because I paid by debit/credit card rather than cash, and that I must wait 10 days regardless of payment status. 

No federal statute, Texas statute, or contractual provision has been cited to support this 10-day delay. 

Under Texas Business & Commerce Code 9.623, a debtor has the right to redeem collateral at any time before disposition by paying the amounts due. Once payment is accepted, the secured party must act in a commercially reasonable manner. Holding my vehicle for an arbitrary 10-day period after payment, without lawful authority, appears to be commercially unreasonable and a misrepresentation of legal requirements. 

This delay has caused loss of transportation and ongoing hardship. I am requesting regulatory review of United Auto Credits refusal to release my vehicle after accepting payment and their misrepresentation of applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

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
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: VA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I am submitting this complaint to request assistance with an issue involving Columbia Debt Recovery XXXX XXXX XXXX and their reporting of an alleged debt on my credit report. 
Columbia Debt Recovery XXXX XXXX XXXX XXXX an account to the credit bureaus without providing adequate validation or clear documentation demonstrating the accuracy of the debt. I attempted to obtain clarification and verification of this account, but I did not receive information sufficient to confirm that the balance, ownership, or reporting of the account was accurate and complete. As a result, I have been unable to meaningfully resolve or dispute this matter. 
The continued reporting of this account has caused significant emotional distress. I have experienced ongoing anxiety, stress, and mental strain due to concerns about my financial standing and creditworthiness. This situation has disrupted my sleep, affected my concentration, and created constant worry about potential consequences such as difficulty securing housing, credit, or other essential financial opportunities. The emotional burden of dealing with an unresolved and unclear debt has been overwhelming and has negatively impacted my overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  Nation Credit Systems , Inc . 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern, I am writing in response to your communication dated [ insert date ], regarding the alleged debt referenced above.

This letter serves as a formal request for validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I dispute this debt in its entirety. 

Please provide the following documentation : 1. The total amount of the alleged debt, including a complete breakdown of principal, interest, fees, and any additional charges.

2. The name and address of the original creditor.

3. Copies of any documents bearing my signature that demonstrate I agreed to assume responsibility for this debt.

4. Proof that Nation Credit Systems , Inc. is legally authorized to collect this debt, including any assignment or purchase agreement.

5. Documentation showing that this debt is within the applicable statute of limitations.

Until you provide proper validation, you must cease all collection activity, including telephone calls, letters, and reporting this account to any credit reporting agencies. If this account has already been reported, it must be marked as disputed. 

Failure to provide the requested validation will be considered a violation of the Fair Debt Collection Practices Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I am submitting this complaint regarding a wrongful repossession and inaccurate account balance determination by OneMain Financial. 

On XX/XX/XXXX, I paid approximately {$2000.00} to reinstate my vehicle following a repossession. I was informed this payment would bring my account current. After that payment, no billing statement, email, app alert, or notice was issued on my regular billing date of XX/XX/XXXX. 

On XX/XX/XXXX, I contacted OneMain to inquire why I had not been billed and explained I was experiencing financial hardship. During that call, I was pressured into authorizing a single {$150.00} payment arrangement for XX/XX/XXXX. However, OneMains app shows the payment was instead scheduled for XX/XX/XXXX and was attempted XXXX times that same day without my authorization for multiple attempts. 

After XX/XX/XXXX, no billing attempts, statements, or delinquency notices were sent for XXXX or XXXX. Despite this, OneMain later claimed I was past due for XXXX and XXXX payments plus the {$150.00} payment arrangement, which does not reconcile with the XXXX reinstatement payment. 

OneMain repossessed my vehicle again without providing accurate billing, notice of default, or a coherent explanation of how the alleged balance was calculated. I am disputing the accuracy of the balance, the handling of payments, and the legality of the repossession. 

I am requesting : 1. A full itemized payment ledger 2. Proof of billing and default notices 3. Correction of the account balance 4. Reversal of the repossession or appropriate remedy 5. Suspension of negative credit reporting This appears to be a failure of billing, notice, and payment processing, and I am requesting CFPB assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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