vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was defrauded by a contractor I paid via XXXX through my Chase account. I authorized the XXXX payments under the belief that the contractor would deliver agreed-upon renovation services. Instead, the contractor abandoned the job, used inferior and unsafe materials, and failed to complete even basic electrical and structural work. I have documented the damage, including unsafe wiring, exposed outlets, and incorrect insulation materials that violate code. The contractor admitted partial fault and refunded a portion but kept several XXXX dollars and disappeared. I filed a dispute with Chase, but they denied it, saying the payment was authorized. While technically true, this ignores the deceptive and fraudulent context under which I sent the money. Chase says it will attempt a courtesy recovery but wont guarantee anything and has said they have no full recovery rights under XXXX. I believe Chase has failed to protect me from fraud, especially as a vulnerable consumer misled into authorizing the payment. XXXX finality should not excuse fraud or predatory misuse. Chase has the ability to reimburse consumers who are victims of deception and should do so in my case. I am requesting full reimbursement of the funds sent via XXXX for undelivered and fraudulent work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 am writing to dispute several items on my credit report. Below are the accounts in question, separated by bureau. The items I am disputing include charged-off accounts, inquiries, and late payments. 

I dispute the following accounts on my Equifax report : Inquiries : XXXX, XX/XX/year> Late Payments : 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 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Top Line Collectors LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide verification of the debt, including but not limited to : The amount of the debt and an explanation of how it was calculated The name of the original creditor Copies of any documents bearing my signature that show I agreed to assume this debt Proof that you are legally authorized to collect this debt I want you to send me a detailed list of the history of payments made by me on this account Im asking to see has there been any insurance claim found on this debt I want proof that you have the chain of title to collect on this debt Until you provide the requested verification, please cease all collection activities related to this account. 
This request is not an acknowledgment of responsibility for the debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants and Medical Credit Corporation, Inc.
State: NV

Complaint narrative:
I have requested validation of this alleged debt. The company has failed to provide documentation proving ownership of the debt, a complete chain of assignment, or the original contract bearing my signature. 

Despite this failure, the company continues to report the account as a collection to the credit reporting agencies, causing ongoing harm. Continued reporting without validation violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting immediate deletion of this account from all consumer reporting agencies and cessation of all collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/year> I overpaid my last car payment by about {$1100.00} on XX/XX/XXXX. I contacted XXXX services to see when I would be receiving my refund and was informed that the refund was still processing from XX/XX/XXXX. On XX/XX/XXXX. I contacted XXXX XXXX again to see when I would be receiving my check and I was informed that the check was sent to the wrong location and I requested to have the mailing location changed. On XX/XX/XXXX I called to get an update and was informed that my mailing address was not changed and the check was once again sent to the wrong location and I requested to receive proof of the mailing location changed but was not given this information. On XX/XX/XXXX. I called again and verified that the new mailing location was correct and I requested tracking for this, but was not given this information. I contacted XXXX again on XX/XX/XXXX because I still have not received my check and was informed that the check was processed on XX/XX/XXXX and that it would take XXXX for me to receive it when I informed the support representative that it has been more than 15 days. They kept repeating that it would be sent in 15 days. I requested to have tracking information for this check and was informed that they could not provide me that information and I needed to call back in XXXX days.

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 2025-12-29 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: NC

Complaint narrative:
I am writing to formally dispute certain accounts that are inaccurately reported on my credit file. Below are the details of the accounts that I believe are reported incorrectly or have missing information. I request that these items be reviewed and corrected as necessary. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Late Payments : 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 explanation
Consumer complaint received 2025-12-29 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I had a checking account that I lost due to overdrafts. And now I'm trying to open a new one and I can't. They are sharing my private information without my consent, and now I can't do anything with my credit because of it. And I want them to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My wife and I are working with a lender in KY to purchase a tract of raw land. Having gone through that process already, on Monday XX/XX/XXXX, I received XXXX phone calls by XXXX from lenders in GA stating that Experian XXXX sold them a lead that I was refinancing my primary residence. They have no right to share my information with anyone for the purposes of soliciting me. The lenders explicitly said they buy the leads from Experian and that Experian sends them a file with my information on it and that I was looking for a refinance on my primary residence in GA, which is absolutely false. I want the reporting agencies to stop immediately sharing my information with third parties without my written express 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 2025-12-29 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: NC

Complaint narrative:
The record contains information that does not correspond with my actual financial history. I request that it be examined and corrected.

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 2025-12-29 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: CBC Companies, Inc.
State: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Have been applying for a financial hardship and they have not even looked at the information yet

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 monetary relief
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I am writing to formally dispute certain accounts that are inaccurately reported on my credit file. Below are the details of the accounts that I believe are reported incorrectly or have missing information. I request that these items be reviewed and corrected as necessary. 

Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Late Payments : 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 non-monetary relief
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : 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 2025-12-29 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and misleading accounts currently appearing on my EQUIFAX credit report. Despite my good-faith efforts to address these errors, the information continues to be reported in a manner that is inaccurate, incomplete, and inconsistent with governing credit reporting standards. These inaccuracies have caused material harm and constitute violations of U.S. FEDERAL LAW, the FAIR CREDIT REPORTING ACT ( FCRA ), and CALIFORNIA STATE LAW.

Under the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681E ( B ), 1681I, AND 1681S-2 ), consumer reporting agencies and furnishers are required to ensure MAXIMUM POSSIBLE ACCURACY, conduct REASONABLE REINVESTIGATIONS, and report only information that is COMPLETE, ACCURATE, AND VERIFIABLE. In addition, the XXXX XXXX XXXX XXXX ( XXXX ) METRO 2 REPORTING GUIDELINES require standardized and accurate reporting of account status, payment history, balances, and charge-off designations. The continued reporting of inaccurate late payments and charge-offs demonstrates a failure to comply with these mandatory requirements. 

The accounts in dispute include XXXX XXXX ( MULTIPLE ACCOUNTS WITH INACCURATE LATE PAYMENT REPORTING ), XXXX XXXX XXXX XXXX  CALIFORNIA ( INACCURATE CHARGE-OFF REPORTING )XXXX XXXX ( INACCURATE 30-DAY LATE PAYMENT REPORTING ), XXXX XXXX XXXX ( INACCURATE XXXX0-DAY LATE PAYMENT REPORTING ), XXXX XXXX SERVICES ( INACCURATE 30-DAY LATE PAYMENT REPORTING ), XXXX XXXX XXXX XXXX CHARGE-OFF REPORTING ), AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( INACCURATE CHARGE-OFF REPORTING ). These accounts contain information that can not be properly substantiated and therefore fails verification standards under federal law. 

Furthermore, the continued reporting of these inaccuracies constitutes violations of CALIFORNIA STATE LAW, including the CALIFORNIA CONSUMER CREDIT REPORTING AGENCIES ACT ( CALIFORNIA CIVIL CODE 1785.11, 1785.14, AND 1785.25 ( A ) ), which prohibits the reporting of information known to be inaccurate or that has not been corrected after notice of dispute. California law imposes affirmative duties on both furnishers and consumer reporting agencies to promptly correct or delete unverifiable information.

The continued publication of these inaccuracies by EQUIFAX and the above-named furnishers, despite proper notice of dispute, reflects systemic noncompliance with U.S. FEDERAL LAW, the FAIR CREDIT REPORTING ACT, CALIFORNIA CIVIL CODE, and INDUSTRY REPORTING STANDARDS. I hereby demand a lawful reinvestigation of all disputed accounts and the deletion or correction of any information that can not be verified as accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: GA

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 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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks decision to permanently close my account and ban me from opening any future accounts, without providing a clear or lawful explanation. 

My Chase account was closed abruptly, and I was informed that I am no longer eligible to bank with Chase. I was not given a specific reason, documentation, or an opportunity to respond or correct any alleged issue. I have reviewed my ChexSystems consumer disclosure report, and it shows no negative information, no unpaid balances, no fraud reports, and no account abuse history. 

There is no adverse information in ChexSystems or any other consumer report that would justify a permanent banking ban. If Chase relied on any consumer report, internal system, or third-party database to make this decision, I am requesting disclosure of the exact reason, data source, and findings used, as required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am concerned that this action may be related to suspected fraud attempts on my account, despite the fact that I did not authorize any fraudulent activity and was not found responsible for any wrongdoing. Closing my account and permanently banning me without explanation or due process has caused financial hardship and reputational damage.

Company response to consumer: Closed with explanation