vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To : Experian Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX ( Account for {$7800.00} ) To Whom It May Concern, I am writing to formally dispute an inaccurate entry appearing on my credit report from XXXX XXXX XXXX in the amount of {$7800.00}. I have reviewed my credit report and do not recognize this debt as valid or owed. I am requesting that this information be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Details of the Disputed Account : Company Name : XXXX XXXX XXXX Amount Reported : {$7800.00} Status : Collection Account Type : Collection Account Date Opened or Reported : [ If known ; otherwise omit ] I dispute the accuracy and validity of this account. I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Provide documentation or evidence supporting the legitimacy of this account ; 3. Delete or correct this entry if validation is not provided. 

In accordance with the FCRA, if the information can not be verified within 30 days, it must be removed from my credit report. 

Enclosed are copies of my identification and proof of address to verify my identity : A copy of my drivers license or government-issued ID A copy of a recent utility bill or bank statement showing my name and address Please inform me in writing of the results of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
My purse was stolen on XX/XX/XXXX around midnight. When I discover this i reported it to the police dept and to chime banking the same afternoon. They said they were going to have my cards cancelled and my acct frozen. I did what I was asked to do, I created a new email and replaced my phone number changed my passwords. But the bank could not keep them from taking money out of my acct. I processed a dispute for unauthorized transaction claim. 

Claim # XXXX XXXX {$13.00} XXXX. {$13.00} XXXX. XXXX Claim # XXXX XXXX. {$210.00} Claim # XXXX XX/XX/XXXX. {$200.00} XX/XX/XXXX. {$200.00} XX/XX/XXXX. {$40.00} XXXX. {$26.00} Claim # XXXX XX/XX/XXXX. {$1200.00} Claim # XXXX XX/XX/XXXX. {$310.00} I continuously called everytime I got an email notification and reported it but still they could not keep it from happening. After all my claim and phone calls and time spent on this I received letter stating they are denying all my claims and so again I called to ask why and they said that I would receive an email. There was no reason on the email, so again I had to call back and ask for them to email me any documents for the reason of the denial. I still have not received anything but the denial email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
Notice of dispute intent to litigate I am submitting this complaint regarding a debt that Jefferson Capital Systems , LLC claims to own or collect on. I formally dispute the validity and ownership of the alleged debt, and I request full validation under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006 ).

Under 12 CFR 1006.34 ( c ), I request the following : Complete validation of the debt, including an itemization ( fees, interest, payments, credits ) and the name and address of the original creditor.

Documentation showing legal authority to collect this debt, including : A chain of title or assignment history from the original creditor to Jefferson Capital, Any purchase agreements, contracts of assignment, or bills of sale, A copy of the original signed agreement or credit application.

Proof that Jefferson Capital sent a validation notice within 5 days of the first communication, as required by 12 CFR 1006.34 ( a ). If no such notice was sent within the required timeframe, that would be a violation of Regulation F.

Additionally, under 12 CFR 1006.18 and 15 U.S.C. 1692e, a debt collector may not misrepresent : The legal status of a debt, The amount or character of the debt, Or their authority to collect it.

If Jefferson Capital can not prove ownership or legal right to collect, continuing to attempt collection or report this debt to the credit bureaus would be unlawful.

I am requesting : Full documentation showing Jefferson Capitals legal authority and ownership of the debt, Cessation of collection efforts until full validation is provided, Deletion of any related credit reporting entries if proper documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Information exposed in multiple data breaches and I have fraudulent accounts showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: AL

Complaint narrative:
in XX/XX/year>, I was made aware that my information had been exposed in the Equifax data breach since I have had a moment to review my credit report and dissect several fraudulent accounts that were not open by me. The fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-07-27 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XX/XX/year> SSN : XXXX Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Experian XXXX Equifax XXXX I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description of the Inaccuracy : I do not owe collection. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description of the Inaccuracy : I do not owe collection. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of screenshot of collection I expect to receive a response within the XXXX timeframe, as required by the FCRA, XXXX the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX Enclosures : Screenshot of collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX in XX/XX/year>. I do not speak XXXX fluently and did not have a translator. The dealership added several optional products to my loan without explaining them clearly or in my language : - {$3500.00} Extended Warranty - {$940.00} Prepaid Maintenance Plan - {$890.00} GAP Insurance ( I already have GAP with XXXX XXXX ) I was told oil changes were free, not that I was being charged. These were added without my informed consent. I'm a military spouse and will be relocating internationally next year, so I will not keep this vehicle long-term. I am requesting the cancellation of these products and a prorated refund to be applied to my loan. 

I attached a formal letter for reference. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
We have been with US bank for over a year now. For the past XXXX months, every time we deposit a check- they put a 7 business day hold on the check. They never give an explanation why. The check has cleared every time- so they have no reason to put a hold. This damages our business operations. Legally the bank is required to let us know of the reasoning for the hold. They sent a letter acknowledging the hold and saying that they did not sent a letter informing us why. This is against the law. We need our deposited check released immediately and also need a clear explanation for the hold. We can not have this happening every time we deposit a check.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was compromised in the Equifax data breach, which exposed the sensitive data of over XXXX XXXX Americans. As a result of this breach, my identity and financial information may have been used or accessed without my knowledge or consent. 

Since that incident, I have noticed negative items reported on my credit files across all three major credit bureaus : Equifax, XXXX and TransUnion. I believe some of these entries may be the result of identity theft or inaccurate reporting due to the misuse of my compromised information. 

I am formally requesting a full investigation into the negative entries on my credit report and ask that any inaccurate, outdated, or unverifiable items be removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Please treat this matter with urgency and provide documentation of your findings and actions taken.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: GA

Complaint narrative:
My personal information was compromised in the XXXX data breach, which exposed the sensitive data of over XXXX XXXX Americans. As a result of this breach, my identity and financial information may have been used or accessed without my knowledge or consent. 

Since that incident, I have noticed negative items reported on my credit files across all three major credit bureaus : XXXX XXXX XXXX XXXX. I believe some of these entries may be the result of identity theft or inaccurate reporting due to the misuse of my compromised information. 

I am formally requesting a full investigation into the negative entries on my credit report and ask that any inaccurate, outdated, or unverifiable items be removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Please treat this matter with urgency and provide documentation of your findings and actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I sent Portfolio Recovery Associates a certified dispute letter on XX/XX/year>, requesting full validation of an alleged XXXXXXXX XXXX  debt. Instead of providing original documentation, they responded with a dismissive letter on XX/XX/XXXX stating the dispute was frivolous or irrelevant. This is a violation of the FDCPA 809 ( b ). I then sent a final strike letter on XX/XX/XXXX via certified mail, instructing them to cease all collection efforts. They ignored it and sent yet another letter on XX/XX/XXXX, continuing collection activity, violating FDCPA 812 and 805 ( c ). 

Additionally, all letters they sent exposed the entire account number publicly through the mail, which may violate federal and state privacy laws. I am attaching all proof, including certified mail receipts and copies of the letters they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX helped me w/d cash $ XXXX to pay home repairs. She gave me $ XXXX in XXXX, {$3500.00} in XXXX, {$440.00} in XXXX & XXXX {$10.00}. I focused so much on counting the right amount, and did not pay attention to the texture or looks of each bill. On XXXX XXXX, when I gave the money to the construction guy, a {$50.00} bill within the $ XXXX was refused. That {$50.00} bill was taped and looked counterfeit and definitely mutilated. I had no choice but to go back to bank to get him another {$50.00}, at the same time trying to deposit that {$50.00} bill back to my account in ATM machine. Of course, ATM machine would not take it. 

On XX/XX/XXXX ; I went back to the branch to address the issue and to deposit the {$50.00}. It was refused by the teller and the matter was bought to manager XXXX XXXX attention. He made a case of the bill & the complaint, and end of story. He said he would call me to let me know about the matter. XXXX weeks gone by, not a word from him. Chase complaint dept called me to find out more about the issue and that was it. 

In this incident, I felt deceived by the teller and the bank, and had certainly been taking an advantage of. This XXXX person took a huge advantage of me. I felt I was being played! 

Reason as follows : XXXX ) why {$3500.00} in {$50.00}? Thats a very odd number. Why not {$3500.00} even or {$3600.00} even? XXXX ) $ XXXX XXXX is a large amount with lots of bills to count for physically, I believe XXXX would have run it through the machine before hung it over to me, I did hear machine counting. If so, this {$50.00} bill would have been caught as reject, can not by pass the machine, then why wouldnt she change it for me due to the condition of the bill? She WANTED to give that to me! If this bill did not run through machine, she must had manually placed it within the w/d. Again, she WANTED to give me that bill! 

The fact the manager said I left and come back few days later. I said to him theres only one liar in this case, me or her, no other options. I told him to review the cameras, whatever happened should be caught on camera. I said if I am the one lying, let me be drop dead when I walk out of this door! 

It was very upsetting and I never had this kind of experience in my life! I spent time running around to get the difference for the guy on Sunday, XX/XX/XXXX, because I never carry or have any cash with me. Then I had to go back Monday and after spending XXXX minutes in the branch, I was pretty much being called a liar because I came back a few days later after the withdrawal, this bill could have come from elsewhere! Very insulting! 

I really wanted to see the cameras as to what was going on, and why this XXXX person targeted me for that {$50.00} bill and made my life XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
ALL 4 COMPLAINTS ATTACHED ALONG WITH THE MOST RECENT ONE THE 5TH COMPLAIN THAT WILL CONTINUE UNTILL RESOLVED. THE COMLAINTS ARE NOT BEING ADDRESS BECAUSE SHELL TOOK OVER RECENTLY AND ARE UNAWARE OF THE CASE.

MY COMPLAINTS IS WHATS REQUIRED TO BE DONE AND NOT BACKING DOWN. THIS COMPANY RESPONSE UNPROFESSIONALISIM AND UNKNOWN KNOWLEDGE IS UNACCEPTABLE CC : FTC, XXXX  AND CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the following item ( s ) reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I respectfully request that you investigate and verify the validity of the account ( s ) listed below, as required by FCRA Section 611 [ 15 U.S.C. 1681i ]

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 2025-07-28 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:
I am filing a complaint regarding a charged-off account reported by XXXX XXXX ( Acct. # XXXX ) on my credit reports. This account reflects a {$0.00} balance and is still marked as Charge-Off despite being closed or paid. 

I believe this is an unfair and misleading representation under the FCRA, specifically 604, which requires a valid and verified purpose for furnishing or reporting credit data. I also have not been provided documentation verifying the debt or confirming that XXXX XXXX had a legal right to furnish this information.

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received a phone call from Credence Resource Management XXXX stating I owe {$880.00}. I explained to the collection company Credence Resource Management that I am a victim of Identity Theft. I asked for a statement to be sent to me via mail and I explained that I am unaware of these charges on my credit report, and it's been reporting as if I am suppose to make monthly payments. On my credit report this account shows Date Open XX/XX/year>. I lived in XXXX, Florida in 2023. I was advised this account was opened in XXXX, Florida. It's been over 2 months and I haven't received anything from the collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
I am requesting that XXXX remove negative payment information from my credit report that occurred during a period of severe medical hardship. In [ Month, Year ], I was diagnosed with XXXX and underwent intensive treatment that left me temporarily unable to manage my finances. This resulted in several late payments on my XXXX credit card account [ XXXX ], which were reported to the credit bureaus. 

These delinquencies do not reflect my long-term payment behavior. Prior to this event, I maintained a strong history of on-time payments with XXXX and have since paid the account in full ( or resumed consistent payments ). 

I contacted XXXX via written request to ask for a one-time goodwill removal, citing my medical emergency and including documentation. I believe XXXX has the discretion to update or remove this derogatory information under the FCRAs permissible framework for compassionate or discretionary relief. 

XXXX denied my request ( or failed to respond ). I am requesting that the CFPB intervene and ask XXXX to reconsider this adjustment based on the extraordinary and medically documented nature of the hardship. I am not contesting that the late payments occurredI am asking for a discretionary act of goodwill given the verified life-threatening circumstances.

Company response to consumer: Closed with non-monetary relief