vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This is a follow-up complaint to a previously closed case regarding my XXXX XXXX XXXX XXXX XXXX, which I financed through Chase Auto . The issue remains unresolved and continues to cause financial hardship.

My vehicle has been inoperable since XX/XX/XXXX due to a failed repair performed by an in-network shop selected through my extended warranty provider ( XXXX XXXX XXXX XXXX XXXX ). The improper repair caused complete engine failure. A second shop confirmed the engine damage was directly linked to the first repair. The warranty provider refused to fully cover th
e XXXX XXXX in damages, and I was forced into a slow, ongoing arbitration process. I have no working vehicle, yet Im still being held financially responsible for a car I can not drive, repair, or sell. 

On XX/XX/XXXX, I submitted a formal voluntary surrender request to Chase Auto and asked for : A clear breakdown of the surrender process Consideration of the warranty dispute as a mitigating hardship Information about how any post-sale deficiency would be handled Temporary payment relief while arbitration is pending Chase responded by stating they will not process voluntary surrender unless I regain possession of the vehicle. However, the car remains inoperable at a shop, and I can not afford to retrieve or move it without thousands in out-of-pocket costs.

I was also told that payment extensions can not be offered unless arbitration is resolved, but I am unable
to produce new documentation until the process concludes, which is entirely out of my control.

This response ignores the full context of my hardship and fails to provide a fair or actionable resolution.

What Im Asking CFPB to Investigate or Facilitate : Require Chase to allow me to move forward with voluntary surrender now, with flexibility due to the
unusual circumstances Require Chase to provide a written breakdown of the deficiency process and post-auction resolution options Open a separate investigation into XXXX XXXX XXXX for misleading warranty practices and denial of coverage that directly caused the damage to the vehicle I have documentation available including repair estimates, emails, photos, and arbitration filings. I am not refusing to pay. I am trying to resolve this in good faith. Chases current stance leaves me financially trapped with no drivable vehicle and no real options. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Letter to the Consumer Financial Protection Bureau Regarding Issues with Bank of America Concerns About Payroll Check Refusal, Deposit Holds, and Overdraft Charges To Whom It May Concern, I am writing to formally submit a complaint regarding ongoing issues I have experienced with Bank of America, which I believe constitute unfair and potentially deceptive banking practices that have caused me significant financial hardship. First, I would like to address
Bank of Americas refusal to cash my payroll check. As a customer, I expected that my payroll check would be honored without undue difficulty. However, the bank refused to cash the check, providing no clear justification for this action. This refusal caused unnecessary delays and inconvenience, impacting my ability to access my earned wages in a timely manner.

Secondly, I have encountered problems related to the posting of deposits. When making a deposit, Bank of America failed to clearly disclose at the time of the transaction that my funds would be subject
to a hold. The lack of transparent communication regarding deposit hold policies left me unable to plan for my financial obligations, and I only became aware of the hold after the fact.

In addition to these issues, I have been subjected to overdraft charges on my business account. When items were set to process and risked being returned due to insufficient funds, I proactively transferred money from my business account to my linked personal account to prevent returns. Despite my efforts, Bank of America has declined to return the overdraft charges applied to my business account, stating that their policy distinguishes between business and personal accounts. As a result, I incurred additional fees from the originating companies as items processed unsuccessfully.

These combined practices have resulted in a cycle of fees and financial penalties, despite my proactive efforts to manage my accounts responsibly and ensure funds were available. I believe that proper disclosure of deposit holds, as well as more reasonable and consistent overdraft policies, are necessary to protect consumers and small business owners from unnecessary financial harm.

I respectfully request that the Consumer Financial Protection Bureau investigate Bank of Americas policies and practices in relation to payroll check cashing, deposit hold disclosures, and the application of overdraft fees on business versus personal accounts. I also request a review of whether these practices comply with federal banking regulations and consumer protection standards.

Thank you for your attention to my concerns. Please let me know if you require any additional information or documentation. 
Sincerely, 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 monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXXI am filing this complaint against PayPal for mishandling a dispute related to unauthorized charges on my account. The case number is XXXX XXXX XXXXI was the buyer/account holder, and two unauthorized transactions (totaling over $200) were withdrawn from my account. I filed a dispute through PayPal, and it was originally decided in my favor. Later, I was told the refund would not be issued because Im not protected under Seller Protection.\n\nThis is clearly a mistake, as I was not the seller and did not receive any money. I lost money from my account, and I filed the dispute as the victim of unauthorized charges.\n\nPayPal now says the transaction is part of an external chargeback, but has not explained how or why that affects my refund especially when I never received any funds.\n\nI have contacted PayPal multiple times and asked them to reclassify the case under Buyer Protection, which would apply in my situation, but they have refused. I am requesting the CFPBs assistance in getting my funds restored and having PayPal comply with its own Buyer Protection policies.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-25 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: FL

Complaint narrative:
XXXXI sent a certified letter to Transunion XXXX  with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBALANCE XXXX XXXX XXXX BALANCE 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 2025-07-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: RI

Complaint narrative:
I actually have a few complaints. I had received an offer in the mail to consolidate loans at a low % rate. I did not qualify and was redirected to Level One Law. In hindsight, I think this was the intention on their part all along.

I signed an agreement with them in late XXXX. By early XXXX they had still not negotiated with some of my creditors and I was informed that they were not allowed to negotiate at that time due to pending litigation. After a few months I decided to remove the remaining unnegotiated debt and I handled it on my own. So, Level One did not hold up their end of the contract. They also charged heavy up front fees, so the majority of my payments were going to their fees and not my debt. I contacted XXXX XXXX who handled payments from me as well as disbursements to my debtors. I requested some funds back and left just enough with them to cover the remaining scheduled payments. That was back in late XXXX. 
Today, I logged into my XXXX XXXX acct and my personal information had been changed to Level One Law 's in Florida. Their website no longer exists nor does their portal. I changed my information back, but this is highly concerning that they used my information and somehow were able to change my contact info.

I was told by a rep that you have no pending lawsuit, but it looks like you do : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-25 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: DISCOVER BANK
State: OK

Complaint narrative:
On XX/XX/year>. I traveled with my wife to catch a XXXX XXXX XXXX XXXX XXXXXXXX. We were offered a cab to take us from the airport to the cruise ship terminal. The fee, depending on traffic would be about {$50.00} U.S. When we arrived 3 blocks from the cruise ship, the driver would not take US currency and asked for a credit card. I gave him a XXXX and he ran it through twice and was denied both times. He asked for a different card. I gave him a different XXXX and he ran it through twice. Both times it was denied. I gave him a Discover and he ran it through and it was denied the first time and went through the second time. The following day, I received emails from all three credit cards asking about the charges which were all denied but totaled almost {$40000.00} U.S. I called the first XXXX card and they immediately cancelled the card and sent me a new one ( within 5 days ) which of course did me no good as I was in XXXX. But they could not reverse the cancellation. I did not want the same thing to happen to the other cards and be without any funds for the next two weeks. So, when I explained this to the other cards, they said " The charges would not go through until I approved them after returning home and saw them on my next statement. '' The two XXXX cards ( 4 charges ) were immediately resolved and classified as fraudulent charges which I was not responsible for. However the Discover card wanted more information and called me 4 times asking for the same information over and over again. They said one charge was at a grocery store and another was at a curio shop. Each time, I explained it and they said it would be reviewed but looked like fraud to them and they understood. I then received a letter from Discover dated XX/XX/XXXX saying " it has been determined that no fraud occurred on your account " and I would need to pay the two charges ( made 1 minute apart to XXXX airport transfer XXXX XXXX XXXX ) in the amount of {$1000.00} each for a total of {$2000.00}. 

I called the fraud division of Discover and was told that there was nothing they could do. I asked to speak to a supervisor and was told one was not available and they would call me back withing XXXX to XXXX hours. I have not heard from them again which I why I am writing to the CFPB asking for your help. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Harris & Harris Opened XX/XX/XXXX Date updated on XX/XX/XXXX. Balance of {$310.00} Original Creditor ( XXXX XXXX ) Creditor is currently reporting on my credit report that I have no knowledge of. I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is a result of identity theft and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief