vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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:
THIS DISPUTE WAS NOT MADE IN ERROR I AM A VICTIM OF THE TRANS UNION AND EQUIFAX DATA BREACH I was promised accuracy on my credit report based on Federal Law. I am making another attempt to have this information removed. Under 15 USC 1681 all unverified information promptly must be removed.THE INACCURATE INFORMATION NEEDS TO BE DELETED The account XXXX XXXX XXXX and a host of INQUIRIES by the companies are, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX request for you to remove it CEASE AND DECIST Further more the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states in paragraph ( XXXX ) the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. DELETE from my consumer report. This agency TRANSUNION LLC is in violation 0f USC 15 1681. Failure to respond satisfactorily with the deletion of this UNVERIFIABLE ACCOUNT, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company.. I will be seeking damages for 1. Defamation of Character ( per-se ) 2. Negligent enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692 violations for willful non compliance - 616 civil liability for willful non compliance 15 USC 1681 n. I also have documentation of this unverfiable account false reporting and continuously changing information on the same account

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Product : Bank account Issue : Closed account What happened : Funds being held Amount : XXXX Chase closed my account in XXXX and has continued to hold {$6000.00} from a deposited check because they claim they could not verify the check maker. The maker is nonresponsive. XXXX has now held the funds far beyond a reasonable investigation period and is refusing to either release the funds to me or return the funds to the makers bank. I am requesting immediate resolution and release or return of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not validly mine and must be removed within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2025, I was charged {$62.00} by XXXX XXXX XXXX XXXX in XXXX, XXXX for a chicken and rice bowl. The agreed-upon amount was {$12.00}. I contacted Bank of America several times between XX/XX/2025 ( when the amount was posted to my account ) and XX/XX/2025 to dispute the overcharge. I submitted a formal claim to Bank of America, and requested that they open a billing-error investigation under Regulation Z ( 12 CFR 1026.13 ). 

During a call with Bank of America on XX/XX/2025, the representative initially stated that I could not dispute the charge without a receipt. I explained that Regulation Z does not require a receipt for disputes of incorrect amounts. I escalated the issue to a manager. The manager stated that Bank of America could not issue a credit or denial because the card was voluntarily provided and that a decision could not be made for up to 90 days. 

I paid the disputed amount in full on my statement last month to avoid interest and potential credit reporting, but I explicitly stated that payment does not waive my right to dispute the overcharge. I requested written acknowledgment of the investigation, confirmation that it was formally opened, and the regulatory basis for any denial. These requests were declined. 

I am submitting this complaint to ensure that the billing-error investigation is opened and handled in compliance with Regulation Z.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing two collection accounts being reported by Jefferson Capital Systems that do not belong to me. The account numbers are XXXX and XXXX. One is for {$1800.00} and the other is for {$2600.00}. 
I have already challenged the validation and ownership of these accounts, but they have not provided any proof. These accounts do not show who they are representing, which makes them incomplete and unverifiable. 
Since I know my rights as a consumer, I am requesting that these accounts be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollins & McVay, P.A.
State: MO

Complaint narrative:
I'm submit this formal complaint regarding Hollins & McVay, P.A., attorneys and collection agents acting on behalf of the XXXX XXXX XXXXXXXX, related to Non-Wage Garnishment issued in XXXX XXXX XXXX XXXX, Case # XXXX. 
Despite multiple attempts, I have never been properly served with notice, which violates due process and places my personal and business accounts at risk. Facts/ Supporting Details 1. Garnishment Issued : XX/XX/year> XXXX. Plaintiffs Agent : Hollins & McVay, P.A., XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX. Notice Attempted : Sent only to old bank account ; no certified mail or personal service 4. Prior Attempts : None of the garnishment notices provided lawful service under Kansas Rules or due process. 
XXXX. Potential Harm : The garnishment threatens disruption to personal and business banking, financial stability, and operations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: KY

Complaint narrative:
On XX/XX/year>. I received a text message from InDebted USA Inc. saying there were contacting me about an overdue balance with XXXX XXXX XXXX. I do not have any debts to my knowledge with XXXX XXXX XXXX. In the present or in the past. I am not sure if the debt they are contacting me about is legitimately mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NH

Complaint narrative:
Ordered {$90.00} item Credit Card was $ XXXX, Called Card company to cancel or put on hold, they told me it has to post before they can do anything about it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
my personal checking account with Chase Bank was closed following a compliance review after I received a legitimate transfer from XXXX XXXX, a tax preparation company. 

Chase informed me that the transfer was considered suspicious solely because it originated from a business and was sent to my personal account. I was not accused of any wrongdoing, and Chase did not state that there is any legal hold, subpoena, or government investigation related to my funds.

As a result of the account closure, Chase is currently withholding my remaining balance and has not provided a clear written explanation of the specific reason for the closure, nor a definitive date or method for the release of my funds. I was only told that the account closure process could take up to 10 days. 

I have requested confirmation in writing regarding whether my funds are subject to any legal hold and a clear timeline for the return of my money, but this information has not been provided. I am requesting the prompt release of my remaining balance and a written explanation of the account closure and fund disbursement process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: NV

Complaint narrative:
I am disputing KeyBank 's failure to properly investigate a billing error under Regulation Z ( 1026.13 ) regarding a transaction with XXXX. Despite providing clear documentation that the services were not as agreed/not provided, the bank has engaged in administrative delay and failed to conduct a reasonable investigation, instead deferring to the merchant 's automated responses. As a former banking professional, I recognize these 'churning ' tactics used to exhaust consumers ; I am filing this complaint to demand a formal regulatory review of the bank 's non-compliance with consumer protection laws. 

This rental was immediately canceled upon entry into the damaged unit ( excessive open air drug use on a shared balcony resulting in extreme smoke damage to the interior of the unit- along with a dozens of other issues rendering the unit uninhabitable ). Pictures, videos and detailed descriptions were sent to XXXX over and over, and at their request. XXXX has engaged in stall tactics that resulted in my losing safe housing while I attempted to relocate to the XXXX area.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Ordered item for {$90.00} credit card states payment to be $ XXXX, called credit card company to stop payment .. they stated can't stop payment!! Charge is less than XXXX hours old..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
CFPB COMPLAINT DETAILED TIMELINE Lease type : Tennessee Motor Vehicle Lease Agreement Dealer/Lessor American Car Center XXXX XXXX XXXX  XXXX XXXX XXXX American Car Account Holder : XXXX XXXX Assignee/Servicer : Westlake Portfolio Management Account Number : XXXX Disputed Amount : {$23.00} ( Sales Tax ) Lease date : XX/XX/XXXX Timeline of Events On XX/XX/XXXX, I entered into a Tennessee Motor Vehicle Lease Agreement with American Car Center XXXX The lease is serviced by Westlake Portfolio Management. At lease signing, sales/lease tax was itemized and disclosed in the contract. 

In XX/XX/XXXX, after I updated my mailing address and the location where the vehicle is principally garaged, I noticed additional charges added to my account without explanation on XX/XX/XXXX. 

The first charge was a sales tax charge of {$23.00}, added without documentation identifying the taxable item, tax rate, date assessed, or contractual or statutory authority. 

Between XXXX XXXX XXXX, I made multiple attempts to contact Westlake Portfolio Management by phone to dispute the charge. Each attempt routed me to an automated system, and when I requested a live agent, the calls were disconnected. 

On XX/XX/XXXX, I submitted a formal written billing dispute via email and certified mail disputing the {$23.00} charge. I also notified the company in writing that I would continue making my regularly scheduled payments, excluding the disputed amount in good faith. 

After submitting the written dispute, I reviewed my account again and observed a new additional charge of {$33.00} added by Westlake Portfolio Management. This charge was also added without explanation or documentation, and while my account was under an active billing dispute. 

Additionally, in XX/XX/XXXX, I requested that Westlake Portfolio Management provide the vehicle title or required title documentation so that I could register the vehicle in my current state. Despite this request, I have not received the necessary documentation, preventing me from completing registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I I thought was buying gold option from a Fake platform Then I was ask to pay taxes and I did, paid over {$12000.00} but when it comes to withdraw funds I have Problem One of this platform is XXXX XXXX Called XXXX I have {$150000.00} other XX/XX/XXXX have {$240000.00} There in XXXX. 
And ps why dont you shot down All this fake platform such as XXXX XXXX all these engine Or Phrase generate class action against them that a lot of victims in United States Also I use my bank XXXX XXXX to wire the money And I noticed the recipient bank. Its also CHASE I called my bank right a way to reverse my wire. 
I had no luck with that. 
I did report it ic3 and national elder fraud Can please help Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no involvement with these accounts ; they must be removed within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: TX

Complaint narrative:
Called bank twice and both times refused to dispute or attempt to reverse charges. They pretty much said they would not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
These accounts are incorrectly linked to me and must be taken off within 15 days under USC 1681g.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I sent several payments to Barclays that were not applied ( credited ) to the account. Barclays reported these payments to both Transitions and to XXXX  yet failed to give me the proper credit for the payments. 

I will take this to arbitration if Barclays fails to credit these payments.

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