vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am filing a complaint against LexisNexis for reporting inaccurate and unverifiable bankruptcy public record information to the consumer reporting agencies. 

LexisNexis is furnishing a bankruptcy record that can not be verified at the source. I obtained an official court letter directly from the U.S. Bankruptcy Court confirming that they do NOT report bankruptcy information to LexisNexis, nor to any consumer reporting agency. This means LexisNexis can not lawfully verify the accuracy, completeness, or permissible purpose for furnishing this data under FCRA 607 ( b ) and 611. 

LexisNexis is reporting information that does not originate from the court, which is the only authoritative source. Because the court confirmed they do not report to LexisNexis or any CRA, LexisNexis is required by law to delete the record due to ( 1 ) inability to verify, ( 2 ) failure to maintain maximum accuracy standards, and ( 3 ) furnishing data without a permissible source.

I am requesting a complete deletion of all bankruptcy-related information from my LexisNexis consumer file and immediate notice toXX/XX/XXXXandXX/XX/XXXX instructing them to delete the record as unverified and unsupported by the source court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts have no relation to me ; remove them within 15 days as USC 1681g mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This debt was all ready paid in full. I Am the Original not credit one, this is a violation of failure to disclose contract 15 USC 6802- A USC s 1028A Aggravated suddenly thrift fir sell my personal information to third-party collection agency without my written consent, this was done under ( TDC ) threat, duress coercion l. This is Fraud by the capital one, and all party 's involving use of and selling of my personal information was use in violation of FCRA 623. The fact of the Matter see senate documents no. 43, 73rd Congress. And Congressional Record, XX/XX/year> on HR 1491.p8.3, Title 18 s 8, Title 31s 3123 payment of obligations and interest on the public debt, see Title 31 s 3130, See Title 31 s 3124 Exemption from taxation. Capital One is using deceptive business tactics under 18 USC s 892 extortion extension of credit of my own credit. Facts in plain English Im am the original creator, in which my signature created the credit, in which capital one, under 18 USC 1028A lead me to believe that they gave me credit in which, my signature credited my own credit, in which I was charged interest, in the use of my own unlimited credit and the use of my personal 9 # was sold to third party collectors under a violation of Charge Off Fraud -15 USC 1666b. -15 USC 1681i - 15 USC 1681i. This is bank fraud by credit card companies 15 USC s 1644

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems LLC has reported to my credit and is not my debt. I don't recognize or associate with this company. I demand for immediate debt validation under FDCPA * 809 ( b ) and a demand for permanent deletion of your illegal reporting. 

Jefferson Capital Systems LLC report violates : FCRA * 602 ( A ) - inaccurate reporting FCRA * 623 ( a ) ( 1 ) ( A ) - Furnuishing false data FCRA * 609 ( a ) ( 1 ) - Failure to provide original contract FDCPA * 807 - False/Misleading representation FDCPA * 809 ( b ) - Failure to validate Jefferson Capital Systems LLC is reporting : -The Account as Open - " Placed for Collection '' - Duplicate Dispute remarks -Missing account type - No proof of ownership - No signed contract - No chain of title I demand the following immediately : 1. Orignial signed contracted 2. Full itemized accounting 3. Proof of legal assignment ( chain of custody ) 4. Proof you have the right to collect or report this debt If you can not provide all documents within 30 days, you must permanetly delete the account from all bureaus and cease all collection activity Failure to comply will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting an investigation and deletion of an inaccurate bankruptcy currently appearing on my credit report.

I contacted the U.S. Bankruptcy Court for the District of New Jersey to determine how this bankruptcy was verified or supplied to the credit bureaus. The Bankruptcy Court provided a written official memorandum ( attached ) confirming that : The U.S. Bankruptcy Court does NOT report any information to credit bureaus.

The Court does NOT verify, amend, or remove any information for credit bureaus.

The Court is NOT affiliated in any manner with the credit bureaus reporting processes. 

The credit bureaus obtain this data independently from unknown third-party sources. 

Therefore, the credit bureau is reporting a bankruptcy that was not furnished, verified, or authenticated by the Bankruptcy Court, and the bureau has not identified any actual furnisher of the data. 

Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate and verifiable. Because the credit bureau can not document : The source of the bankruptcy data The name of the furnisher The date they verified the information The method of verification this bankruptcy is unverifiable and must be removed immediately. 

I am requesting that the CFPB compel the credit bureau to delete the bankruptcy from my credit report due to failure to provide a legitimate data furnisher and failure to verify the information as required by the FCRA.

Attached : Official U.S. Bankruptcy Court memorandum confirming the Court does not report or verify bankruptcy information to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
CHASE ASSUMPTION PROCESS : Applied for assumption on XX/XX/XXXX ( 237 days ago ). Submitted all paperwork within a few hours of each request throughout the process. For an example : Submitted paperwork XXXX ( accepted by Chase XX/XX/XXXX ) of paystubs, and banking accounts. Was under review until XXXX. On XX/XX/XXXX Chase asked me once again for bank account statements due to the ones I submitted on XXXX expired. I have recorded numerous times I have submitted paperwork, it sits without any work, then they request them again due to " expiring '' in their hands. I submit the correct paperwork and have voluntarily submitted paperwork when not requested just to make sure they have the latest. The date of my voluntary submitted of all bank accounts and paystubs happen on XX/XX/XXXX. Still, Chase asked for them once again on XX/XX/XXXX. On my call today with the Assumption team, I've asked for someone to connect with underwriting by any method and I was told that underwriting " works offline and does not have phones or email ''. I have the assumptions team members ID # and name if needed. Over 20+ calls with 5 attempts with an " escalation managers '' does not help. Escalation managers can not escalate anything and only make call backs within 24-48 hours to inform me " Your application is under review ''. I submit all paperwork within hours of Chase requesting but then sit on them with no work done for 15-55 days. When calling the Assumption team they move around the " review '' of new paperwork timeframe from 15 days, to 30 days, to 45 days, to 45 business days, and finally 55 days. FAQ sites, AI searches, XXXX searchs, and other major banking institutions state an assumption process should take 90 days and will be expedited if " death, divorce, or incapacitation '' is involved. I'm now sitting at 237 days with no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to book a flight on the Chase XXXX website using my Chase XXXX Rewards points. The website showed the fare and allowed me to proceed, but the booking repeatedly failed. I called Chase XXXX customer service, and the agent told me to wait a few hours because the airline was trying to release a new price. I waited approximately 8 hours and attempted to book the exact same flight again. The price on the Chase XXXX website was unchanged, but the system still would not allow the booking to go through. 

Because of this continued error, I was forced to book the flight through a different website. This caused me to lose the ability to use my Chase points at the 1.5x value that Chase advertises for bookings made through Chase XXXX XXXX 

When I escalated the issue, the Chase XXXX manager told me simply to cash out my points, which would result in a much lower value. The manager also appeared unaware that Chase points are worth 1.5x when used through Chase XXXX XXXX which is the primary benefit of my Chase Sapphire Reserve card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am still seeing these inaccurate accounts on my credit report and they have not been cleared out at all. This is extremely upsetting, and I am begging for the documents I attached to be checked carefully so I can finally stop stressing over this situation.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays is holding about {$4000.00} of my money after cancelling a balance transfer and placing a hold on my account. I initiated the balance transfer on XX/XX/XXXX ; it showed as processing, so I made a payment to bring my balance to XXXX. Barclays later cancelled the transfer but kept my payment, creating the overpayment. They refuse to return the funds, which has caused financial harm, including interest charges on my other cards and difficulty paying bills. 
For identity verification, I faxed documents on XX/XX/XXXX and then mailed a full packet that USPS delivered on XX/XX/XXXX at XXXX XXXX. I still have no written confirmation, no status update, and no estimated timeline. One representative told me there is no maximum number of days for verification. 
I filed a XXXX  complaint XXXX and was assigned an Executive Case Manager, but calls are not returned and the Office of the President is unreachable or keeps me on long holds. I still can not access my money and have no explanation for the delay. I am requesting release of my funds and a timely, clear resolution.

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 2025-12-04 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:
XXXX XXXX XXXX  is reporting a charged-off account in the amount of {$1500.00} that was also marked as transferred or sold. Despite reflecting a {$0.00} balance, the account continues to be reported with a derogatory status that implies an unpaid obligation. This post-sale charge-off reporting misrepresents the current status of the account, as XXXX no longer owns the debt. 

Such continued derogatory reporting after sale is misleading under the Fair Credit Reporting Act. The presence of this charge-off, while the debt has been sold and is no longer collectible by XXXX, creates confusion for creditors and materially damages my credit profile. This account appears with code indicators and negative payment history that unfairly reflect on my creditworthiness. I have been denied credit opportunities and subjected to emotional and financial hardship as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was scammed and affirm is unable to refund my loan even though I disputed it and they have not received any evidence from their merchant that what Im saying is untrue yet they still sided with the merchant to rob of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I purchased a used vehicle from XXXX in XX/XX/XXXX. The vehicle was represented as clean, fully inspected, and in good running condition. In XX/XX/XXXX, the engine suddenly failed. A certified XXXX dealership diagnosed the engine as completely locked due to an internal mechanical failure. They confirmed there were no leaks, no signs of maintenance neglect, and the oil pan was completely dry. The failure was not caused by improper upkeep. 

I submitted a dispute to Bridgecrest regarding the loan and the misrepresentation surrounding the sale. Bridgecrest closed the dispute without notifying me, without reviewing the defect diagnosis, and without conducting any investigation. When I contacted them in XX/XX/XXXX, the representative stated they were not going to dispute the loan, refused escalation, and the call was abruptly disconnected. 

I later discovered that I was never provided the full purchase contract or disclosures at the time of sale, even though the document states that I acknowledged receiving them. This raises compliance concerns involving TILA disclosures and proper documentation. 

Bridgecrest has continued collection activity and indicated possible repossession despite the account being in dispute and unresolved. Repossession or collection during an open dispute appears to violate FCRA dispute requirements, FDCPA standards, TILA rules, and Georgia consumer-protection laws. 

I am requesting CFPB review to stop collection and repossession activity, require the companies to investigate the dispute properly, provide the full contract documents, and address the misrepresentation and failure to disclose at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Received correspondence on XX/XX/XXXX from XXXX XXXX regarding a debt from AFFIRM INC stating at I owe {$89.00} as of XX/XX/XXXX. 

I am not familiar with this company and do not owe debt to any company or affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Card Account Number : XXXXXX/XX/XXXX Open Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America illegally closed my checking account. They did this without any reason or notice. The closure was unjustified. I called customer service and they said that my account was closed by the bank because of my national origin from XXXX. They refused to give me my money. Bank of America is engaged in discriminatory, fraudulent and scammy business practices. I have two pending claim disputes for the total amount of {$970.00} on my checking account but the bank refused to fix the issue with incorrect and unauthorized charges on the account. Instead, they closed my account and declined to provide me with my money. I am having trouble retrieving my funds. 
Please provide me with my funds immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Take a moment to assess the documents ; the inquiries surfaced without advance notice and could be unauthorized.

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