vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I deposited {$16000.00} in XXXX money orders into my Chase account at a branch in downtown XXXXXXXX XXXX. At the time of deposit, Chase informed me the funds would be available in 7 business days. By XX/XX/year>, the funds appeared as available, but I was unable to withdraw any money. 

Chase stated they needed to verify the money orders with XXXX. I provided receipts for each money order and confirmed their validity through XXXX live chat and automated verification system. Despite this, Chase continues to hold my funds without providing a valid written explanation. 

As of XX/XX/year>, over one month after the deposit, Chase has neither released my money nor provided the promised cashiers check, despite multiple assurances.

This violates Regulation CC ( 12 CFR Part 229 ), specifically : 229.13 ( Exception Holds ) Banks may extend holds under specific conditions but must provide written notice stating the reason and duration of the hold.

229.16 ( Disclosure of Availability Policy ) Banks must make funds available within the specified time and disclose exceptions clearly.

Chase has failed to comply with these requirements. This prolonged, unexplained hold is causing significant financial hardship and appears to be wrongful withholding of funds.

I am requesting the immediate release of my funds or delivery of the promised cashiers check. If this is not resolved promptly, I will seek legal remedies for damages and regulatory noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing regarding account number XXXXXXXX XXXX XXXX with an alleged balance of {$4000.00}. While I dispute the full validity of this debt, I would like to resolve this matter in good faith.

Due to financial hardship, I am unable to pay the full balance. However, I am prepared to offer a lump-sum payment of {$800.00} ( 20 % of the alleged balance ) as a settlement of this account.

I am under no legal obligation to pay this debt, but I am willing to resolve it in exchange for the following terms, which I require to be confirmed in writing prior to payment : This payment will be considered payment in full for the account, releasing me from any further obligation. The account will be removed from all credit reporting agencies ( not simply updated as Paid or Settled ), and reported with a {$0.00} balance.

LVNV

has contacted me numerous times regarding settlement, and I have attached copies of prior settlement offers for reference. This proposal represents the best I can do given my current financial situation. If these terms are agreeable, please provide written confirmation and I will submit payment promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
Fraudulent address appeared on my report I have never resided at this address XXXX XXXX XXXX XXXX XXXX  there is also a XXXX XXXX  issued that is fraudulent and it is associated with this account please remove this information from my account thank you. 
Account number XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi my names XXXX XXXX i put my checking account XXXX cash check en citizens bank i open my account 2months ago and i put 6 checks i have hold my money, i put XX/XX/scrub>/2025 branch is say you need to wait 5days im going after 5days i sey you need to wait 15days and now i sey you need to wait XX/XX/year>2025 is so much to wait for my money bc the check is good the flagstar bank is approved my check XX/XX/scrub>/2025 and the citizens i say you need to wait after XXXX you can take please help me bc i need to pay bills my car my rent my phone i need my money for why reason to hold 3 month my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern : I am contacting you regarding the account listed below : XXXX XXXX  : {$150.00} which has been reported to transunion & Equifax credit reporting agencies. I dispute the validity of this alleged debt in its entirety and request full validation. This is a formal dispute of the debts accuracy under FCRA 611 ( 15 U.S.C. 1681i ) and a request for validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ). According to federal law, you must : Provide validation of the debt including the name of the original creditor, the original account number, itemized statement of the alleged amount, and proof that I am legally obligated to pay. Cease all collection activity, including reporting this debt to credit reporting agencies, until you provide proper validation. Notify the credit reporting agencies that this account is disputed. If you can not verify this debt within the timeframe allowed by law, you must immediately : Cease all collection activity, and Remove this account from all credit reports with XXXX XXXX XXXX XXXX. Please provide your response in writing to the address listed above. I am keeping records of all correspondence for documentation purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint against Transworld Systems for knowingly reporting inaccurate and unverifiable information on my credit report. They are attempting to collect an alleged debt in the amount of {$700.00}, opened on XX/XX/2025, which I do not recognize, and for which they have failed to provide any legally required validation. 

I formally disputed this account with the credit bureaus. Transworld Systems has failed to respond or provide proof that I am legally obligated to this debt. They have not produced a contract or agreement bearing my wet signature showing that I consented to this debt or authorized the transfer of my personal information to them. 

Furthermore, it is illegal for Transworld Systems to be in possession of, use, or share my personal information without my explicit consent or authorization. They are holding and reporting consumer data without proof of a contractual relationship, which constitutes a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681s-2 ( b ) ), and Texas Finance Code 392.101.

By reporting unverifiable and illegally obtained information, Transworld Systems is recklessly damaging my credit standing and violating federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries have no permissible purpose to be on my report in accordance with 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Hello, I was an active and respectable member of Robinhood for several years. One day I received notification that they were restricting my account while they reviewed it. I didn't anticipate any problem and just waited it out. Soon after I received notification that they were closing my account. I am completely bewildered as to why this happened. They refused to give me any answer as to why this occurred. I enjoyed using their service very much up until this point and would like to use it again. In addition I would like an explanation why they would treat an upstanding long-time customer with such disdain and disrespect. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Re : Supplemental Complaint Equifax Refusal to Block Fraudulent Tradelines under FCRA 605B To Whom It May Concern, I am submitting this supplemental complaint regarding Equifax Information Services LLC. Despite my prior CFPB complaint, Equifax continues to refuse to block fraudulent tradelines, even after I submitted : A valid FTC Identity Theft Report, A copy of my government-issued identification, and Proof of my current address. 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency is required to block such information within 4 business days once provided with an identity theft report and proper identification. 

Equifaxs refusal constitutes willful noncompliance with the FCRA, as they are demanding duplicative documents I have already provided. I am receipt of a letter, received on XX/XX/year>, stating that they won't block until they receive the already provided information. Their continued stalling is causing harm to my financial standing and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Convergente Account # : Name Account # 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 XXXXXXXXPublic Information. 
Chapter XXXX Bankruptcy XXXX has violate my right. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions has violate my right.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Convergente Account # : Name Account # 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 XXXXXXXXPublic Information. 
Chapter XXXX Bankruptcy XXXX has violate my right. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions has violate my right.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions

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 2025-08-23 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: SC

Complaint narrative:
Dear Equifax, For months, I have been disputing inaccurate and unverifiable information appearing on my Equifax credit report. Despite my prior disputes, these errors remain, which demonstrates a clear violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

The law requires Equifax to conduct a reasonable reinvestigation within 30 days of a consumers dispute. If you can not verify information with documented proof from the furnisher, you must delete it. Continuing to report unverified data is not only negligent, but it also exposes Equifax to liability under FCRA 616 and 617. I am again demanding that you correct or delete the following items : Wrong/Incorrect Address The following address
is inaccurate and must be deleted under FCRA 607 ( b ), which requires consumer reports to be accurate and free of unverified information : XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX Accounts Reported Inaccurately XXXX XXXX XXXX XXXX  Account # XXXX Reported with late payments. No documented verification has been provided. Under FCRA 611 ( a ) ( 5 ), unverifiable information must be deleted. 

XXXX XXXX  Account # XXXX Reported as a charge-off. This entry remains inaccurate and unverified. Continuing to report it violates your duty of accuracy under FCRA 607 ( b ). 

XXXX XXXX XXXX Account # XXXX Reported with late payments. Without proof of accuracy, this information is in violation of FCRA XXXX. 

XXXX Account # XXXX Listed as a charge-off. No verification has been provided, making this reporting inaccurate and unlawful. 

XXXXXXXX XXXX XXXX  Account # XXXX Reported with late payments. As this is unverified, continued reporting violates the FCRA. 

Despite my previous disputes, you have failed to comply with federal law. Under FCRA 611 ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted immediately. 

This is my final notice. If these inaccurate items remain beyond 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I reserve my right to take civil action for damages under FCRA 616 and 617 for negligent and willful noncompliance.

I expect your written response to include : The method of verification used.

The name and contact information of furnishers who allegedly verified these accounts. 

Written confirmation of deletion for all unverifiable items. 

The law is clear : if you can not verify, you must delete. Equifax has had multiple opportunities to comply, and this will be my last request before taking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I sent validation/verification requests to XXXX XXXX XXXX regarding an account they claim I owe with a balance of {$2900.00}. I requested the signed agreement, full account history, and an itemization of the balance. XXXX never provided this documentation. 

On XX/XX/XXXX, I disputed the account with Experian because it was linked to an incorrect Social Security XXXX. Experian later corrected the XXXX. 

On XX/XX/XXXX, XXXX sent me a letter mischaracterizing my dispute as a fraud claim and stating, without proof, that I was responsible. No contract, statements, or itemization were provided. 

On XX/XX/XXXX, I notified Experian in writing that the account remained disputed and unvalidated. 

On XX/XX/XXXX, Experian issued Report # XXXX stating : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Experian did not explain how it verified the account or provide any Method of Verification.

Experian is reporting information that is inconsistent with other credit bureaus. Examples include : Last payment date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Balance vs. write-off : Experian shows {$2900.00} past due AND {$1300.00} written off, which is contradictory. 

Payment history : Experian shows extensive history back to XXXX, XXXX  shows none, XXXX  shows partial. 

Dispute coding : Experian says Completed investigation of FCRA dispute consumer disagrees, while the other bureaus show different dispute notations or none at all. 

Some prior inaccuracies were corrected, but Experian still publishes inaccurate and conflicting information, and their XX/XX/XXXX investigation did not fix the errors.

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 2025-08-23 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: TN

Complaint narrative:
The late payments being reported on my XXXX XXXX XXXX account are inaccurate and/or unverified. These late payment notations are damaging my credit profile and do not accurately reflect my payment history. Reporting inaccurate or unverified late payments violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), which requires that all furnished information be complete and accurate. I am requesting that these late payments be fully investigated, verified with supporting documentation, and removed or corrected on my credit report to ensure accuracy.

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 2025-08-23 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: TN

Complaint narrative:
The late payments being reported on my XXXX XXXX XXXX account are inaccurate and/or unverified. These late payment notations are damaging my credit profile and do not accurately reflect my payment history. Reporting inaccurate or unverified late payments violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), which requires that all furnished information be complete and accurate. I am requesting that these late payments be fully investigated, verified with supporting documentation, and removed or corrected on my credit report to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Had medical procedure done in XXXX at XXXX XXXX XXXX XXXX in XXXX, NC Took approx 30 days to get insurance approval. Asked multiple times for estimate of my out of pocket costs, which Im entitled to under No Surprise Act. Asked again for written estimate on morning of procedure. I was told my total cost would be {$990.00} but could receive a 20 % discount, making total {$790.00}, which I paid in full on day of procedure. When I asked for printout of charges I was told all they could give me was credit card receipt for {$790.00}. A few weeks later I was blindsided when I received an additional bill for {$4100.00}. I called billing department multiple times for explanation on why this amount was not disclosed upfront. All they kept telling me was that was just an estimate and I owed the additional {$4100.00} & needed to pay it. I went to XXXX in person to discuss. They produced an estimate sheet, which I never saw upfront. Apparently, it was one of the 5-10 docs I signed electronically on a key pad but I could not view the document and they would not print for me. That document showed my portion as {$790.00}. It did say amount could vary if complications or other additional charges arose. There were no complications & procedure went smoothly. I asked to speak to a manager and was told their billing department was out of state so only way to speak to someone was to call them. I did see in No Surprise Act cast can vary up to {$500.00} if no changes or complications. It seems to me this act was established to protect patients from deceptive billing practices such as this. Charging an additional 500 % seems ludicrous. Im XXXX XXXX XXXX and take great pride in maintaining a perfect credit history. I know this debt being turned over to a debt collector will destroy my credit scores and that simply isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: IN

Complaint narrative:
Repeated calls and harassment im formally sending a letter for a Cease and Desist 15 USC 1692 cc

Company response to consumer: Closed with explanation