vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
On XX/XX/year>, I received a letter from JPMorgan Chase Bank , N.A . that was addressed to XXXX XXXX XXXX at my parents residence in XXXX, Montana. The letter stated that Chase had subtracted {$1500.00} from an account and included a check image that was returned as XXXX. I have never opened an account with Chase and have no connection whatsoever to any business under that name. Because the mailing used my familys address, I immediately contacted Chases Fraud and Identity Theft Department to report the matter. During that call, I spoke with a representative who identified himself as XXXX. He verified that an account existed using my parents address but confirmed that my Social Security number and personal identifiers were not associated with it. He also informed me that there had been XXXX previous attempts to open accounts in my name with Chase, which I denied authorizing. I was told the account using my parents address had been closed, but Chase refused to provide any documentation verifying that closure or confirming that my information was not linked to the fraudulent business. When I requested a fraud case number, claim reference, or any form of written confirmation to provide to law enforcement, I was told to use my Social Security number as the claim number, which is an improper and unacceptable practice. The representative declined to connect me with a supervisor, provide a departmental email, or issue any record of the claim. I explained that I live more than XXXX miles from the nearest Chase branch and could not physically visit a location, yet I was still told that was the only option if I wanted the address removed from their system. Despite my repeated requests, Chase failed to provide any proof that a fraud report was filed or that the address had been unlinked from the account. Because the bank confirmed the fraudulent activity but refused to document it in writing, I have filed reports with the Federal Trade Commission, the Office of the Comptroller of the Currency, and the Consumer Financial Protection Bureau, as well as a local police report in my home jurisdiction. My goal is to obtain written confirmation that the account has been closed, my information is not connected to it, and that my familys address will no longer be associated with any Chase or business accounts opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Chase Bank about a fraudulent check written for the amount of {$500.00} from my account. I did not write this check, I have never ordered or written checks from this account. The business listed on the check is not known to me nor does it appear to exist in my state of residence. The representative stated that an investigation would occur and funds would be returned to me in 7-10 business days. When they were not returned, I contacted Chase again on XX/XX/year>. This time the representative told me that the case was not active or processed. They told me then that a case number was now generated and I should expect the funds returned between 5-7 business days. I contacted Chase today via their secure messaging system and they responded saying that the case was closed but if I faxed or mailed a copy of my photo identification, they would reopen the case. I asked the reason for this request and if they ever intended to share that with me. They have yet to respond and I still do not have the funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/year> the lender/servicer advised via e-mail that they refuse to change the XXXX reporting from un-secured to secured eventhough they have a recorded UCC-1 filing . I responded advising they need to either change the the XXXX reporting status or release the UCC-1. I never heard back from the company afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending to dispute inaccurate information regarding the XXXX XXXX account ( Account Number : XXXX ) on my credit report. Upon reviewing my credit file, I have found several discrepancies related to the reporting of this account, specifically the late payment entries, which appear to be incorrect and damaging to my credit score.

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 2025-11-06 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: GA

Complaint narrative:
I have disputed multiple collection/charge-off accounts with TransUnion twice, providing documented proof that XXXX  deleted the same accounts as inaccurate and unverifiable. Despite this, TransUnion continues to report these accounts as collection/charge-off. This violates FCRA 611 ( reasonable reinvestigation ), 607 ( b ) ( maximum accuracy ), and 623 ( a ) ( 1 ) ( A ) ( prohibition against reporting information known to be inaccurate ). I am requesting that TransUnion immediately delete all disputed accounts and provide written confirmation of removal.

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 2025-11-06 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: NC

Complaint narrative:
Summary : A collection agency is reporting a debt that is incorrect, unauthorized, and can not be validated. They are also reporting a different amount than what Equifax and TransUnion list. 

Details : The debt being reported is based on charges that were supposed to be debited from my bank account, NOT charged to any credit account or military retirement fund. I never authorized the use of my retirement account for billing, and I was unaware this was even an option. This makes the charges unauthorized, and therefore the resulting debt is invalid.

Additionally, the original agreement/contract is missing, so the collector can not legally validate the debt under FDCPA 809. They can not prove I opened the account, authorized charges, or agreed to any terms.

The amount being reported by the collection agency does NOT match what appears on Equifax or TransUnion, which violates FCRA 623 ( inconsistent and inaccurate reporting ). 

The collection also appears to be re-aged, with the activity happening in XXXX but the collection marked as XXXX, which is improper and illegal. 

I am requesting the CFPB require the collector and the credit bureaus to : Provide full documentation, including the original signed agreement Provide proof of authorized billing Correct or delete the account Cease all reporting if they can not validate Correct the inconsistent reporting between bureaus The collection agency is reporting a balance of {$1200.00}, while both TransUnion and Equifax are reporting {$990.00} for the same account. This is a clear and direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information across all consumer reporting agencies. 

This discrepancy alone requires reinvestigation and correction. A {$200.00} difference can not be explained without documentation showing itemized charges, fees, and the basis for the higher amount. To date, I have not received any valid itemization or the original agreement that would justify a {$1200.00} claim. 

Because : The original agreement is missing, The billing source was unauthorized, The dates appear re-aged, and The amounts reported are inconsistent, I am demanding full deletion of this account from all credit reporting agencies unless you can provide complete validation, including the original signed contract, billing authorizations, and legally consistent reporting data.

Failure to provide this documentation requires immediate removal per FCRA 611 and FDCPA 809.

A corrected or partially updated report is not acceptable when the underlying debt itself can not be validated or legally substantiated. 

I expect deletion or full documentation within the required timeframe.

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 2025-11-06 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On Saturday, XX/XX/year>, I received a statement from Mr. Cooper showing the payoff quote for my current mortgage. I am trying to refinance the loan because my interest rate is high at 6.99 %. The statement indicated the following : 1. Current Upaid Principal Balance : {$420000.00} XXXX. Interest - from XX/XX/year> - XX/XX/year> : {$2900.00} XXXX. Quote fee : {$25.00} 4. Expedited Delivery Fee : {$20.00} 5. County Recording Fee : {$190.00} 6. Third Party Reconveyance Preparation Fee : {$25.00} I oppose the fees listed on # 3, 4, and 6. 

On XX/XX/year>, at around XXXXXXXX XXXX, I called Mr. Cooper to dispute the fees listed on # 3, 4, and 6, and the agent, XXXX XXXX, said she would message her manager. 

On XX/XX/year>, at around XXXXXXXX XXXX, I called again and spoke to another representative who said those fees can not be waived because the escrow requested it. When I asked about the {$25.00} fee listed on # 6, the call ended.. There was no tone on the other side, and I did not call back because I was already at work. 

On XX/XX/year>, at XXXXXXXX XXXX  XXXX from Mr. Cooper called me in response to the dispute call I placed on XX/XX/year>. He looked into the fees and said he would call me back. He called me back within minutes to tell me that all the fees listed on # 3, 4, and 6 above are within the law and justifiable, and they will not remove them from the statement. He also added that # 6 is the fee the county recorder charges, yet there's already a County Recording Fee of {$190.00} listed on # 5. He also said the Expedited fee listed on # 4 is for faxing the payoff quote. Note that I also inquired with the new lender if they requested the expedited payoff amount, and I was told nobody requested it. This is a regular refinance loan, and there is no need to pay for expedited fees. I opposed the extra fees because I pay Mr. Cooper XXXX in interest yearly, and for the past XXXX years, these petty fees are grossly unfair. I should not be paying these fees when this lender is taking the majority of my money, the loan is pricey, and it's just not right okay on their part to charge those petty fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The car was stolen I advised the collection agency and filed a police report and sent it to them. The said they wont negotiate nor remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Alerted to potential fraud on account. Issuing a new card. Would not send to address of record without verification. I was uncomfortable only providing them with my personal information after rep assisting could barely read transaction information clearly. Would not accept any other security info other than address. Refused tu send to address on tecird that has not changed in years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Capital One for failing to properly investigate and resolve a legitimate credit card dispute for services not rendered. 

On XX/XX/2025, I hired XXXX XXXX XXXX XXXX for a move, paying with my Capital One card. The company breached our contract by : Arriving late ( XXXX XXXX  ) outside the confirmed XXXX XXXX  window. 

Sending only one mover instead of the two I paid for.

The company itself admitted this failure in a written email from their claims team, stating they " awarded only one mover was working. '' Despite this clear evidence, Capital One has failed me. I have filed 16 disputes over two months and submitted a complete evidence package, including : The moving contract ( Bill of Lading ) proving I paid for a 2-person crew.

Email proof of the confirmed arrival window.

The merchant 's own email admitting they provided only one worker.

A timeline proving the actual work took 3 hours 48 minutes, not the 7.5 hours I was billed for.

Each time, Capital One has closed my case with a generic form letter stating my submission " lacks all of the previously requested information, '' without specifying what is missing. They have clearly not reviewed the evidence I provided.

One dispute for {$200.00} was recently ruled in my favor, proving my claim has merit, yet a second dispute for {$280.00} for the same failed service was denied. When I call, representatives can not explain this contradiction or specify what information I failed to provide.

Desired Resolution : I want Capital One to reopen my dispute, conduct a proper and good-faith review of the extensive evidence I have already submitted, and permanently credit my account for the remaining {$280.00}, as the merchant fundamentally failed to provide the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-06 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-06 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Vehicle was purchased in XXXX through XXXX for XXXX with a XXXX payment XXXX when I found out that the vehicle had two owners and not one owner went back to XXXX to sell the car back they offered me the amount old but said they could not get me financed to purchase something else. 

XXXX of XXXX vehicle was repossessed. Cost me {$5000.00} to get the vehicle back. None of which was credited towards the loan. 

To date I have paided XXXX which includes late fees but not the repossession of XXXX XXXX XX/XX/XXXX contacted ACA requesting assistance as the car had been broke down more than it had been on the road. Ask for suggestions because I found out that the car that was sold to me had been in two accidents prior to my purchasing a car. The suggestion was to take it back to XXXX and see if they will buy it back. 

I am here today because I contact them in reference to the balance and the fact that I'm a furloughed employee and could not make my payment due to no income. I was told that they have no programs in place in reference to the current furlough. I was XXXX thankful for my XXXX payments and told to call back in 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/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