vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems has illegally re-aged my charged-off account multiple times. The original Date of First Delinquency was XX/XX/XXXX, but Jefferson Capital changed it to XX/XX/XXXX and again to XX/XX/XXXX. These repeated date changes are a clear violation of FCRA 605 ( c ), 623 ( a ) ( 5 ), and 611 ( a ) ( 1 ) ( A ), as they misrepresent the age of the account and extend how long it remains on my credit report. I previously disputed this issue, and Jefferson Capital failed to correct it. I am requesting that this account be permanently deleted from all credit reports and that all illegal reporting activity cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Unauthorized Billing and Lack of Resolution XXXX  Details : I am submitting this complaint regarding unauthorized and incorrect billing practices by XXXX  or XXXX. 

XXXX  or XXXX I was charged for services and fees I did not authorize, including line additions and insurance charges. Despite multiple attempts to resolve the issue through customer service and secure messaging with my bank ( Chase ), the charges remain unresolved. 

XXXX : I was wrongfully debited on the following dates : XX/XX/XXXX and XX/XX/XXXX {$140.00} each time XX/XX/XXXX and XX/XX/XXXX {$22.00} each time These charges were not authorized, and I did not receive the services they were meant to cover. I submitted a formal dispute and followed up via secure message but have not received confirmation or resolution or reimbursement. 

XXXX  companies have failed to provide timely and transparent communication regarding the status of these disputes. I am seeking assistance from the CFPB to ensure these billing errors are corrected and any unauthorized charges are refunded. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am reopening this issue under a new complaint because my previous CFPB case ( # XXXX ) was closed without a fair or lawful resolution. TD Bank denied my fraud dispute three separate times, claiming that the transactions appeared authorized because there were successful online logins and no aggressive spending. These reasons are irrelevant and do not meet the legal standards for determining authorization under federal law. 
I did not authorize or benefit from any of the disputed transactions totaling {$1700.00}. I only discovered the card had been stolen after receiving an unexpected paper statementsomething I normally do not receive by mail. I immediately reported the loss and the unauthorized transactions to TD Bank, yet my claim was denied without a proper investigation.

TD Banks response failed to follow the requirements of Regulation Z ( 12 CFR 1026.13 ) and the Fair Credit Billing Act, which protect consumers from liability for unauthorized credit-card use. The bank never provided proof that I authorized these charges, and its reasoning relied entirely on speculative assumptions. Online logins can not be used as evidence of cardholder consent, and the pattern of spending is irrelevant to determining fraud. 
I provided timely notice, cooperated fully, and even filed an official CFPB complaint, yet TD Bank sustained its denial without addressing the facts. The prior case was marked closed even though the matter remains unresolved and the bank continues to hold me responsible for fraudulent charges. 
I respectfully request that the CFPB reopen this issue as a new case, review TD Banks inadequate investigation, and ensure compliance with federal consumer-protection laws. I seek a full refund of {$1700.00} in unauthorized charges and confirmation that I will not be held liable for any fraudulent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Some one used my information and open XXXX account I stay there for a couple months and used that address for mail I moved out and later found accounts under my name that one of my family members did .. not sure who did but I was not living there when it happened I was just receiving mail still there can u help

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 2025-10-05 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: IL

Complaint narrative:
Some one used my information and open XXXX account I stay there for a couple months and used that address for mail I moved out and later found accounts under my name that one of my family members did .. not sure who did but I was not living there when it happened I was just receiving mail still there can u help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: WI

Complaint narrative:
If you stop using spot me they take the money you have on there I had XXXX XXXX  on there when my direct deposit hit for XXXX they took the XXXX and lowered it to XXXX with out putting the money back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
FCRA violations XXXX. Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) 2. Permissible Purpose 15 USC 1681b 3. Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a 4. Verification 15 USC 1681i7 I, XXXX XXXX, is a victim of XXXX  data breach and having issues with unauthorized transactions that keeps being reinserted on my credit report. The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report. The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading.

I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$2600.00}

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 2025-10-05 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management is reporting a collection account allegedly from XXXX XXXX XXXX ( Acct XXXX XXXXXXXX, balance {$630.00}, opened XXXXXX/XX/year> ). I dispute this account as inaccurate, incomplete, and unverifiable. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a collector must provide validation of a debt upon request, including the original contract and an itemized accounting. I made a validation request, but Midland failed to provide the required documentation.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2, furnishers must ensure maximum possible accuracy and correct or delete unverifiable information after receiving a consumer dispute. Midland has continued reporting this tradeline without proof of ownership, balance, or assignment, in violation of these statutes.

Consumer Harm : This false reporting is damaging my credit standing, lowering my score, and preventing fair access to credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery is reporting a XXXX XXXX XXXX. account ( Acct XXXX XXXXXXXX, balance {$690.00}, opened XX/XX/year> ). I dispute this account as inaccurate, incomplete, and unverifiable. 

Under FDCPA, 15 U.S.C. 1692g, a debt collector must provide verification, including a signed contract and complete accounting. I formally requested this, but Portfolio Recovery failed to provide adequate documentation.

By continuing to furnish derogatory information without validation, Portfolio Recovery is in violation of the FCRA, 15 U.S.C. 1681e ( b ) ( duty of accuracy ) and 1681s-2 ( b ) ( duty to investigate and correct upon dispute ).

Consumer Harm : This unverifiable reporting is unfairly lowering my credit score and negatively affecting my ability to obtain housing and financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under UCC1-308 without prejudice I reserve all rights, I received several notices regarding a data breach that took place with these credit bureaus. I am monitoring this information and have made several attempts to contact a live representative and it's impossible to connect with anyone. I don't feel these companies have prioritized the personal data that it collects and markets for their benefit. My personal information has been compromised on so many occasions that I don't have any confidence in their setup and their ability to secure my personal information. I am requesting that these companies cease and assist with compiling any personal information. I've attempted to submit notice to this profile they've created to reserve all my rights under UCC. code 1-308 without prejudice and there's no way to submit documentation to these files that are composed by these companies who are frivolous and incapable of securing extremely private and personal information. I have absolutely NO CONFIDENCE IN THESE BUREAUS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Under UCC1-308 without prejudice I reserve all rights, I received several notices regarding a data breach that took place with these credit bureaus. I am monitoring this information and have made several attempts to contact a live representative and it's impossible to connect with anyone. I don't feel these companies have prioritized the personal data that it collects and markets for their benefit. My personal information has been compromised on so many occasions that I don't have any confidence in their setup and their ability to secure my personal information. I am requesting that these companies cease and assist with compiling any personal information. I've attempted to submit notice to this profile they've created to reserve all my rights under UCC. code 1-308 without prejudice and there's no way to submit documentation to these files that are composed by these companies who are frivolous and incapable of securing extremely private and personal information. I have absolutely NO CONFIDENCE IN THESE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
INTENT TO FILE MOTION & GO LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Notice to Cease and Desist CC : XXXX Consumer Affairs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The Federal Trade Commission ; The Consumer Financial Protection Bureau XXXX Florida State Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I write as a pro se litigant in Florida, to address XXXX critical identitytheft issue originating with the XXXX XXXX  data breach. That breach exposed sensitive data for roughly XXXX XXXX consumers, including my own, paving the way for fraudulent tradelines that continue to poison my credit report despite my repeated disputes under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. Georgia took a leading role in investigating XXXX, XXXX failures, culminating in a multistate settlement that recognized the enormity of that breach and secured injunctive relief and a consumer restitution fund of up to {$420.00} XXXX. Yet your agency persists in reinserting and retaining at least XXXX demonstrably false tradelines on my report. Each dispute was timely submitted according to 15 U.S.C. 1681i ( a ) and 1681e ( b ), but investigations have been cursory at best and sham rescues at worst. 

Below is a concise breakdown of the unauthorized accounts still reported under my name : Account Details : XXXX. XXXX XXXX XXXX XXXX : XXXX {$660.00} : Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX {$620.00} : Opened : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX. XXXX XXXX : XX/XX/XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried logging into my chase bank account and the bank has locked me out of my own account even after verification. 

I called chase on XX/XX/2025 and XX/XX/2025 Im a government employee and do well in my career so I make decent money. 

The bank has kept me out of my account for XXXX hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NJ

Complaint narrative:
I am trying to upload supporting documents related to a recent dispute I attempted with Equifax however there system would not allow me to upload my supporting documentation from the original creditor. XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
Since early XXXX I had a problem with Lexis nexis. In fact, I have a letter from XXXX, which shows that they told me that they were not requited to provide a credit repoert that I requested form them in writing. They have comntinued to attempt to make me get my credit report online, which i have never done and will never do. They continue to have me mixed up with a person from the state of florida and they have continued to perpetuate a fraud by not providing all that I have asked for, due to their mix ups of persons causing all of my insurance companies to overcharge me due to the other woman 's terrible credit mixed up in my report. i have sent them the mailed XXXX XX/XX/XXXX, and they are violating FCRA, and XXXX Rules as they decided to play in XXXX, so then they are bound to XXXX XXXX Offie of Civil Rights . The Certified mail number is XXXX. To this day, they have never mailed my reports. 
I spoke to them approx XXXX days after advising them to get my paper records to me and they have violated all of my rights. My name is XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I need the lexis nexis XXXX XXXX  Breaking down everything in my report mailed by US Mail. The Consumer File needs to be mailed by Us mail. I continie telling them to mail me paper copies of all my reports and they keep violating my civil rights further perpetuating their frausd causing me to pay way morer for insurance and health care.This company 's business practices should be reported to the secretary of State 's business licensing, as I understand they are in Ga. I already filed an XXXX complaint and I spoke to XXXX of their agents this past week and they contiunue failing to allow the HIPAA electronic live inspection of their XXXX record keeper.

Company response to consumer: Closed with explanation