vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Dispute of Charge-Off Reporting Account Ending in XXXX I am formally disputing the reporting of my JPMCB Card Services Flexible Spending credit card account ending in XXXX, which was charged off on XX/XX/year> with a balance of {$10000.00}. I believe this charge-off may be based on an inaccurate or non-compliant delinquency timeline during the COVID-19 period. If the reporting of my payment history leading up to the charge-off was inaccurate, incomplete, or not in compliance with CARES Act requirements, the charge-off status and date can not be considered accurate or valid under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that JPMCB Card Services provide complete documentation verifying the following : That I did not request a COVID-19 hardship or payment accommodation. 

That JPMCB Card Services complied with all CARES Act reporting requirements from XX/XX/year> onward. 

That the month-by-month delinquency timeline leading to the charge-off is accurate, complete, and verifiable. 

That the charge-off date of XX/XX/year> is correct and fully supported by JPMCB Card Services records. 

If JPMCB Card Services can not provide comprehensive documentation proving that the reporting was accurate and compliant, I request that the charge-off and any associated derogatory information be immediately removed or corrected on my credit report. 

Under the FCRA, I am entitled to have all information reported accurately and fairly, and the CARES Act provided additional protections for consumers during the COVID-19 pandemic. Failure to provide supporting documentation may constitute a violation of these obligations. 

Please treat this as a formal dispute and provide your response in writing along with all documentation supporting the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint ( XXXX ) again after to document multiple serious procedural failures and regulatory concerns regarding the handling of my dispute requests, account activity, and Suncoasts subsequent actions. I am asking that this matter be escalated immediately to a department capable of reviewing the applicable laws and recognizing where Suncoasts processes have failed to comply with federal requirement. First, the statements provided to me by Suncoast are not accurate. I was not able to submit any online disputes after a certain number had been attempted. The system repeatedly blocked me from filing additional claims and instructed me to call the XXXX number. I followed these instructions every time. However, when I called, the representatives explicitly refused to open any disputes for me. This created a situation where I was completely denied the ability to dispute any transactions through any available method. 

This is a direct violation of Regulation E ( 12 C.F.R. 1005.11 ), which requires financial institutions to accept notice of error through any reasonable means. In my case, Suncoast refused to accept my dispute through all meansonline or by phone. As a result, Suncoast denied me my legal right to file a claim and denied me the required investigation that should have followed. Because no valid dispute was ever accepted, any determination letter later issued is invalid, as the bank can not complete an investigation into a claim that was never opened.

Additionally, Suncoasts letter states that the investigation consisted of reviewing the device ID. A device identifier alone does not establish that I personally authorized the transactions, nor does it satisfy the requirement for a reasonable investigation under Regulation E. Reviewing a single device ID is not a legally sufficient investigative step and does not make sense as a basis for denying unauthorized transaction claims. It is unclear how Suncoast concluded authorization or legitimacy based on this information, and I am requesting a full explanation. 

Second, when I attempted to close my account to stop further unauthorized activity and fees, Suncoast told me that I could not close the account until it was brought up to current. Meanwhile, the credit union continued to charge me NSF feesfees that were directly tied to the unauthorized transactions and my inability to dispute them. I was effectively trapped : Suncoast refused to accept disputes, refused to close the account, and continued charging fees, creating a situation that is both unfair and potentially violative of federal UDAP standards ( Unfair or Deceptive Acts or Practices ).

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried logging into my equifax which I set up sometime ago in my early twenties. Im XXXX now. I dont have the same information I used when setting account up. I attempted going through password reset process as I still have access to same email just not same number. Could not recover access. Attempted calling them multiple times they refuse to transfer me to anyone who can help. I am attempting to purchase my first home and I need to gain access to my equifax account in order to do so. They have no online chat. No customer service email. Wont answer phone calls. Have all my wrong old info. And wont allow me to create new account to log in to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Accounts in Question : Bridgecrest Account # XXXX ( Opened XX/XX/XXXX ) Bridgecrest Account # XXXX ( Opened XX/XX/XXXX ) Dear Bridgecrest XXXX Department, I am writing to formally notify you that the above-referenced accounts were fraudulently opened in my name without my knowledge or authorization. I am a victim of identity theft, and I have filed a police report documenting this crime. Copies of my police report, government-issued identification, and proof of address are enclosed for verification. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2 ( a ), once a consumer provides an identity theft report, a creditor or furnisher is required to block and delete all information resulting from identity theft from the consumers file. The law mandates that this blocking occur within four ( 4 ) business days of receiving proper documentation. 

Accordingly, I am requesting that Bridgecrest : Immediately delete and permanently block the above fraudulent accounts from all consumer reporting agencies ( XXXX XXXX, and XXXX  ). 
Cease all collection activity related to these accounts. 
Provide written confirmation that these accounts have been removed and will not be reinserted into my credit file in the future. 
Please treat this as a formal dispute under the FCRA. If you require additional information to complete your investigation, please contact me in writing at the address listed above. 

Thank you for your prompt attention to this matter. I expect written confirmation of the deletion within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this complaint because several companies have placed hard inquiries on my credit reports without my authorization, without permissible purpose, and without a signed credit application from me, which is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b.

These unauthorized inquiries are negatively impacting my credit score and ability to obtain credit. Despite my attempts to resolve this directly with the reporting bureaus and the companies involved, the inquiries remain. 

The following hard inquiries were NOT authorized by me and must be investigated : 1. XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2. AMEX ( American Express ) Inquiry Date : XX/XX/XXXX 3. XXXX XXXX Department Inquiry Date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX via XXXX Inquiry Date : XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 7. XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Details of Complaint I did not apply for credit with these companies. 

I did not give verbal, electronic, or written permission to pull my credit. 

These companies can not provide a signed credit application or any verification proving that I authorized these inquiries. 

Under FCRA 604 ( a ), a creditor must have a permissible purpose, which they did not. 


I contacted the credit bureaus to dispute these inquiries, but the disputes were not resolved properly. I am requesting the CFPB to conduct an investigation and enforce compliance with FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
There was a purchase made using a Macys American Express card. I called Macys and they said that they do not see anything attached to my account that is related to this card. I received three receipts stating the purchase using the credit card I never opened. They continued to use the card while I was on the phone with Macys credit dept and they said to reach out to CFPB or credit bureau. I tried all three credit bureaus and am not able to talk to anyone about this.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I disputed the original charges with XXXX XXXX because they were incorrect, but I never received a response from XXXX XXXX Despite the open dispute, the account was sent to Source Receivables for collection. 

On XX/XX/2025 I mailed a Debt Validation Letter to Source Receivables by XXXX XXXX Mail. XXXX tracking confirms the company received it on XX/XX/2025. The letter requested proof of the debt, an itemized statement of charges, and documentation showing I am responsible for the amount. 

Source Receivables never responded to my request and never provided any validation. Under FDCPA 809 ( b ), they were required to stop collection and provide validation before reporting the debt. Instead, they continued reporting a balance they can not validate. 

XXXX  has since deleted the collection from my credit report because the collector did not validate the debt. I am requesting CFPB assistance to require Source Receivables to either validate the debt properly or delete the account from all credit bureaus and stop all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was recently the victim of a scam involving an individual who claimed to be a licensed insurance agent affiliated with XXXX. On XX/XX/year> the first payment of {$520.00} was made with the opening of the policy and on XX/XX/year> the second payment of {$550.00} was made. On XX/XX/year> the payment was declined by progressive. This person was recommended to me through what appeared to be legitimate channels, leading me to believe they were acting on behalf of the company. He enrolled an insurance policy under my name and informed me that he, as the agent, would be handling the premium payments at a discounted rate. 

The initial payment was successfully processed, which further gave the impression that everything was legitimate. However, after I sent him the second payment directly, he failed to remit it to the insurer and instead kept the funds for himself. When I contacted XXXX to report the situation, they denied any involvement and even threatened to cancel my policy, despite clear indications that someone claiming to represent them was engaging in fraudulent activity. 

I have since disputed the transaction with my bank in hopes of recovering the stolen funds.

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: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I opened a XXXX XXXX Barclays XXXX XXXX in XXXX of XXXX. I opened it to get 18 months free interest since I was trying to transfer a high interest balance from another card. I was able to set up the transfer on XX/XX/XXXX. Barclays immediately applied the balance transfer to my balance of XXXX on the new card prior to paying off my other card. 
The balance still wasn't transferred on XX/XX/XXXX. I followed up by phone, and they said it would take XXXX business days. It still wasn't transferred on XX/XX/XXXX when I called again. I showed them my balance on my high-interest card and the balance on the new card, even though they still hadn't paid it off. It was hurting my credit, and that of my daughter, whom I added to the card to help her improve her credit. As of XX/XX/XXXX, two balances still existed. I called and cancelled the card. I said I was no longer interested. I obtained a loan on XX/XX/XXXX and used it to pay off my XXXX XXXX balance, which had high interest. I noticed the Barclays card had still not been eliminated, they hadn't paid off my balance on XXXX XXXX, and the new card was still open. I couldn't get the representative to understand I had no balance with them. They insisted I owed a minimum payment on a balance that did not exist, and in frustration, the representative hung up with me. I am seeking the balance they have for me to be eliminated. They paid nothing for my credit balance, and I am seeking to have my JetBlue Barclays account closed immediately. I would also like to see an intervention that they don't apply balances to their cards when they have not even paid a balance transfer. They hurt my credit and my daughter 's and provided no remedy and only supplied endless frustration which is continuing today.

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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC / Resurgent Capital Services is reporting a collection account on my credit report that is inaccurate and has not been properly validated. I requested validation of this debt and LVNV refused to provide the necessary documentation, claiming some information is proprietary, which is not a valid reason to withhold required validation.

LVNV has not provided : The original signed contract or agreement The full payment history from the original creditor Chain of title showing they legally own the debt Itemization of the amount they are claiming, including interest and fees The date of first delinquency ( DOFD ) Despite this, they continue to report the account to the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting, and the Fair Debt Collection Practices Act ( FDCPA ), which requires meaningful validation of the debt upon request. 

I am requesting that the CFPB : Require LVNV/Resurgent to provide full validation and documentation of the alleged debt, or If they can not, require LVNV/Resurgent to delete the account from all credit bureaus and cease all collection activity. 

I also request that the credit bureaus remove this account if LVNV/Resurgent can not fully validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
My checking and savings accounts at Regions Bank were closed on XX/XX/year>. While I was given a letter at one of their branches, it didnt give me much if any information why my accounts were closed. All I know is that they will send me a check on XX/XX/year>. The problem is that I need those funds immediately. I also contacted the Social Security office to see if the money today - XX/XX/year> - and I was told the money never came back to SSA. I went in to the Regions Branch in XXXX XXXX to see if I could get my money back and they told me my account was frozen. As I stated earlier in this letter, I need those 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 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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am honestly furious that inaccurate late payments are STILL showing on my credit report this morning. I refreshed the page several times and nothing changed. I need the documents I sent to be reviewed immediately because this situation is exhausting and I can not keep dealing with it.

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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple accounts on my credit report contain inaccurate information and are not being reported with the maximum accuracy required by law. These erroneous entries are not minor. They are materially misrepresenting my financial history and causing real, ongoing hardship. I take my credit seriously, and these persistent inaccuracies are creating stress and tangible negative consequences in my life.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Multiple accounts on my credit report contain inaccurate information and are not being reported with the maximum accuracy required by law. These erroneous entries are not minor. They are materially misrepresenting my financial history and causing real, ongoing hardship. I take my credit seriously, and these persistent inaccuracies are creating stress and tangible negative consequences in my life.

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 status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX inquiries XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry dateXXXX 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