vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company : JPMorgan Chase Bank, N.A.Product : Checking account / Debit cardIssue : Unauthorized transactions/ fraud What happened : I am filing this complaint because Chase improperly denied my dispute for an unauthorized transaction made with my debit card information. My relative used my card without my permission to pay his own rent. I was charged {$2200.00} on XX/XX/year>. I did not authorize this transaction, did not receive any benefit from it, and I was not a party to the lease or any agreement with the merchant.

I do not know exactly how he obtained my card information, but I believe he may have taken a picture of my card at some point when I was visiting his home. He is not an authorized user on my account and has never had permission to use my card or card information for any purpose.

Chase mailed me the documentation that the merchant provided during the dispute process. None of the documents contain my name, my signature, my authorization, or any connection to me. Specifically : The lease contract provided by the merchant does not include my name anywhere. The payment records show the transaction was associated with my relatives personal account, not mine. There is no authorization form, signature, or agreement with my name on it. There is no evidence showing I approved or participated in this payment.

Despite the complete absence of my name or authorization in the merchant documents, Chase still denied my claim and classified this as an authorized transaction. This is an incorrect application of Regulation E. A transaction is unauthorized when it is performed by someone without actual authority, and when that person is not an authorized user. That is exactly the situation here.

Chase failed to conduct a reasonable investigation and ignored the fact that the merchant documents do not involve me at all. I never entered into any contract with this landlord or merchant, I never agreed to pay this rent, and the person who initiated the transfer was not authorized to use my card.

I am requesting that the CFPB require Chase to : 1. Reopen and properly investigate this dispute.

2. Reverse the denial and refund the unauthorized rent payment.

3. Refund any fees associated with the unauthorized transaction.

4. Provide a written, Regulation-E-compliant explanation of their new determination.

I am willing to provide copies of all documents Chase sent me. They clearly show the transaction was tied to my relatives lease and personal informationnot mineand there is no authorization from me whatsoever. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX on XXXX XXXX, XXXX XXXX atm did not disperse {$200.00} as requested. 

ATM displayed error message and receipt indicated funds not being dispersed but funds still withdrawn from my account. 

Contact with both XXXX XXXX and local branch proved fruitless as both directed me to my bank, XXXX. 

XXXX accepting verbal denial from atm vendor instead of demanding proof of disbursement of funds ( which they cant provide as cash was never provided ) or accepting my proof ( attached here as well ) proving no money received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: OH

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 2025-11-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-11-25 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( XXXX ) XXXX XXXX XXXX * * * * 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 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-25 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is a notice of Dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ) .By law these companies are required to notify me prior to, or no later than 30 days after furnishing negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623 subsection ( 7 ) ( A ). The companies in this complaint have not complied with the FCRA law, I have no records of any notice. They are all indirect violation of my consumer rights and securities fraud for the monetizing all the accounts listed. 
CBNA ( Acct # XXXX ) Violation : The reported data is inaccurate and unverifiable. The payment history shows " NO '' data for a period, yet the account is reported as charged-off. This internal inconsistency proves the data lacks integrity and can not be verified. The Supreme Court in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX clarified that willful disregard for accuracy includes reckless violations of the FCRA. Reporting conflicting data is reckless. 

Assignment of all debt obligation to the Office of Secretary of the Treasury ( 31 USC 3123 ). 18 USC 8, False Clams Act ( FCA ) 31 USC 3729 ; 15 USC 1601 ; 15 USC 1692. I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
This is a notice of Dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ) .By law these companies are required to notify me prior to, or no later than 30 days after furnishing negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623 subsection ( 7 ) ( A ). The companies in this complaint have not complied with the FCRA law, I have no records of any notice. They are all indirect violation of my consumer rights and securities fraud for the monetizing all the accounts listed. 
XXXX ( Acct # XXXX ) Violation : The reported data is inaccurate and unverifiable. The payment history shows " NO '' data for a period, yet the account is reported as charged-off. This internal inconsistency proves the data lacks integrity and can not be verified. The Supreme Court in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX clarified that willful disregard for accuracy includes reckless violations of the FCRA. Reporting conflicting data is reckless. 

Assignment of all debt obligation to the Office of Secretary of the Treasury ( 31 USC 3123 ). 18 USC 8, False Clams Act ( FCA ) 31 USC 3729 ; 15 USC 1601 ; 15 USC 1692. I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
There was a fraudulent transaction on my cash app on XX/XX/XXXX made by a company called nordichome.For XXXX. I spoke with cash app they were refusing to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting a reinvestigation from TransUnion. Many of the items below are old, inaccurate, or inconsistent with what the original creditors report. Please remove anything that can not be fully verified. 

CHARGED-OFF ACCOUNTS ( TU ) 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 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
XXXX. Summary of Disputed Account XXXX XXXX XXXX XXXX account is reported inaccurately across XXXX XXXX XXXX XXXX. Each bureau reports : Date Opened : XX/XX/XXXX Status : Charge-Off Balance Reported : {$7900.00} Last Payment Listed : XX/XX/XXXX XXXX. Grounds for Dispute The account contains reporting inconsistencies and potentially unlawful re-aging. Evidence from all three bureaus shows that : The account was charged off in XXXX yet continues to show recent activity dates in XXXX, violating FCRA 623 ( a ) ( 5 ). No payments or consumer activity have occurred since XXXX. XXXX. Bureau Evidence XXXX  Evidence : Balance History on multiple pages shows {$0.00} paid since XX/XX/XXXX. Charge-off date reported as XXXX yet updated monthly through XXXX. XXXX Evidence : Page XXXX : Date Major Delinquency First Reported : XX/XX/XXXX despite no activity since XXXX. 
XXXX XXXX : {$7900.00} with no updates since XXXX. XXXX Evidence : Page XXXX : Pay Status : CHARGE-OFF with Date Updated XX/XX/XXXX, despite last payment XX/XX/XXXX. Payment history pages show continuous C/O from XXXX with no new activity. XXXX. Correction Requested Please investigate and delete or correct the account immediately as required under FCRA 611 and 623. 
The reporting reflects unlawful re-aging and inaccurate monthly updates. 

Sincerely, XXXX XXXX XXXX known as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
In XXXXXXXX XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX from a Texas dealership. Before signing the paperwork, the salesperson repeatedly assured me that the vehicle would not fall under value within the first 2 years, and that I would not be XXXX down. Based on these representations, I proceeded with the deal. 

Trade-In & Missing Funds : I traded in my previous vehicle during the transaction. My contract listed a {$2700.00} trade-in credit benefit, but when the dealership mailed my check weeks later, the amount was only {$2500.00}, which was {$180.00} short. I requested an explanation multiple times through calls, voicemails, and texts, but the dealership never provided a clear breakdown of the shortage.

Delays & Lack of Communication : Once the contract was signed, my calls and messages were repeatedly ignored. I was told people arent available, or that someone would look into it, but weeks passed without answers. I asked multiple times for the payoff information on my previous vehicle, the full trade-in details, and a copy of my original sales contract. The dealership delayed responses and did not provide the requested documents or explanations until much later, and even then, the information was incomplete.

Vehicle Value Issue : Within the first year of ownership, the vehicle dropped more than {$40000.00} in value, leaving me significantly upside down despite the dealerships assurances. Text messages from the salesperson acknowledge the drop and indicate they would try to get me more because the deal placed me heavily in negative equity. None of this was properly disclosed during the sale. 

Financing Discrepancies : I requested documentation showing how the dealership calculated my negative equity, trade-in value, and contract terms. I also requested an explanation for the shortage on the check. Despite multiple requests beginning in early XX/XX/year>, the dealership did not provide the requested information. 

Summary : The dealership : Did not honor the {$2700.00} trade-in credit listed in the contract Mailed a check for {$2500.00} with no explanation Failed to provide requested documents in a timely manner Failed to disclose the true negative equity Provided misleading verbal information about the vehicles future value Ignored multiple attempts to resolve the issues I am filing this complaint because I still have not received clear answers or documentation, and the financial harm from this transaction is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously disputed the following inaccurate items on my credit report, and the bureau failed to conduct a reasonable reinvestigation under FCRA 611. Despite providing full identity verification and supporting documentation, including my ID, proof of address, and if applicable, an FTC Identity Theft Report, the bureau either verified the items without proof or failed to correct them. These items remain inaccurate and/or the result of identity theft connected to a data breach. 
Items in Dispute : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/2025 - I did not authorize this inquiry. Please remove it from my credit report.

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