vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have made numerous attempts to resolve this issue and will be attaching my call logs to show my contact with Chase. 

Chase received my insurance proceeds to pay off my vehicle loan after my car was totaled. After the loan was paid in full, there was a remaining balance owed to me in the amount of approximately {$140.00} and some change. I have never received this refund check. 

At this point, Chase has issued at least three or four checks, all of which have allegedly been lost in the mail. Each time I call, I am given different and often conflicting information. 

On one call, I spoke with a supervisor who stated she would place a note on my account so that when I call back, the refund check could be overnighted. On XX/XX/XXXX I called again and was told by a representative that overnight shipping would need supervisor approval and that I should call back on XX/XX/XXXX. When I call back on XX/XX/XXXX a different representative told me there was no update and that they would need to place a search and stop request on the most recent check, which was reportedly mailed on XX/XX/XXXX. 

This is only one example of the repeated confusion and inconsistent information I have received throughout this process. I feel as though I am being given the runaround and despite my repeated efforts since XX/XX/XXXX, this issue remains unresolved with no clear end in sight. 

I am requesting that Chase immediately resolve this matter by properly issuing my refund in a secure and trackable manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I entered into a closed-end motor vehicle lease for a XXXX  XXXX XXXX serviced by XXXX XXXX XXXX The lease later terminated early due to an insurance loss. 
After reviewing the lease disclosures, periodic statements, payment ledger, and credit reporting, I identified multiple inconsistencies and gaps that XXXX XXXX has not adequately explained. 
Specifically : The lease disclosures list defined figures for gross capitalized cost, adjusted capitalized cost, rent charge, and total base payments. However, subsequent account summaries and credit reporting do not clearly reconcile with these disclosed amounts. 
A review of the payment ledger shows multiple entries that are not clearly described, itemized, or tied to any disclosed lease term. These entries do not correspond to scheduled payments or clearly identified fees, and their purpose and calculation are unexplained. 
A forensic review of the lease disclosures indicates that multiple fees and add-on charges were included in the capitalized cost, materially inflating the contract value. The disclosures do not clearly explain which charges were mandatory versus optional, how each affected the capitalized cost, or whether any were refundable upon early termination. 
After the vehicle was declared a total loss, XXXX XXXX  did not provide a clear, itemized post-loss reconciliation explaining how insurance proceeds were applied, how any remaining amounts were calculated, or how any reported balances were derived. 
The account has been reported to consumer reporting agencies using figures that do not clearly align with the lease structure or disclosed terms, creating confusion and preventing independent verification of accuracy. 
I requested a complete copy of the lease file, including all addenda and ancillary product disclosures, along with a written accounting reconciliation explaining all ledger entries, post-loss handling, and reported amounts. XXXX XXXX  did not provide a complete or transparent response. 
As a result, I am unable to independently verify the accuracy of the billing, accounting, or credit reporting associated with this lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Issue : Unfair and deceptive dental financing ; incorrect interest charges due to provider errors and failure to update financing company I am filing a complaint regarding XXXX XXXX XXXX XXXX Comenity Bank in connection with XXXX XXXX XXXX XXXX. 

I was pressured into signing a financing agreement in XX/XX/XXXX for a dental crown because the dental office required a {$1200.00} payment before they would begin treatment. The financing terms began immediately even though treatment did not occur at that time. 

My crown procedure was repeatedly delayed due to multiple errors with the temporary crown, and my treatment was not completed until XX/XX/XXXX. During this period, I was kept in a temporary crown and could not seek treatment elsewhere. 

The dental office also failed to bill my insurance properly, which caused overcharging. They eventually issued me a refund check for {$1000.00} on XX/XX/XXXX, but they did not notify XXXX XXXXComenity Bank of the correction. Because the financing company was never updated, I continued making payments on an incorrect balance. 

On XX/XX/XXXX, at the end of the XXXX promotional period, XXXX XXXX/Comenity applied XXXX XXXX XXXX in interest to my account. This interest should not have accrued because : 1. The promotional period began months before treatment actually occurred, 2. The dental office failed to update the financing company after correcting their billing error, 3. I was paying monthly, 4. I was never notified that the no-interest period would expire before treatment was even completed. 

This situation resulted from the dental offices mistakes and failure to communicate required adjustments to XXXX  XXXX XXXX. I am now being charged interest on a balance that should have been corrected months earlier. I tried resolving the matter with Comenity Bank but they deny my disputes and charge my card interest while I wait to hear back. My first dispute was made in XX/XX/XXXX when I learned the pricing terms changed but was denied and now Im undergoing a second dispute request with Comenity bank but they refuse to communicate. 

I am requesting : Removal of all interest charges, Correction of my account balance to reflect the insurance adjustment and XX/XX/XXXX refund, A revised statement confirming the corrected terms in writing. 

Attached are screenshots that show the repeated appointments needed for the dentists failure to treat, my billing statements, and the check issued by the dentist in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> LVNV Funding, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # XXXX XXXXXXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance.

1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in the State of Texas ; 5. Surety bond information.

A billing summary is not proof a debt ownership or legal authority to collect. Continued reporting of this unverified debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : - 15 U.S.C. 1692e - 15 U.S.C. 1692f - 15 U.S.C. 1692g If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency un 15 U.S.C. 1681n and 1692k., including but not limited to statutory damages, punitive damages, legal fees, and costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-12-18 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: ND

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-18 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: CL Holdings LLC
State: CA

Complaint narrative:
CFPB COMPLAINT INACCURATE COLLECTION REPORTING ACROSS ALL CREDIT BUREAUS Company : Jefferson Capital Systems Credit Bureaus : XXXX XXXX XXXX Alleged Original Creditor : XXXX  Amount : {$760.00} Complaint Description I am filing this complaint regarding inaccurate and unverified credit reporting by Jefferson Capital Systems across all three major consumer reporting agencies XXXX XXXX XXXX and XXXX XXXX 

Jefferson Capital Systems is reporting a collection account allegedly originating from XXXX. I have never opened, authorized, or held any account with XXXX, nor have I entered into any agreement that would give rise to this alleged debt. 

Despite this, Jefferson Capital Systems is furnishing negative credit information without providing competent evidence that : 1. A valid contractual obligation exists 2. The alleged debt belongs to me 3. Jefferson Capital Systems lawfully owns the debt 4. They have authority to furnish this information to consumer reporting agencies By reporting this account across all credit bureaus without verification, Jefferson Capital Systems is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires accuracy, completeness, and reasonable investigation of disputed information.

Furthermore, continued reporting of an unverified debt constitutes a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

Requested Resolution I am requesting : Immediate deletion of this account from XXXX XXXX and XXXX  Written confirmation that the account has been permanently removed Copies of any documentation Jefferson Capital Systems relies upon to assert this account is valid If Jefferson Capital Systems can not produce full validation, this account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 disputing the following charged-off account and inquiries on my Experian report : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : EXPERIAN 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
Consumer complaint received 2025-12-18 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
I was given a XXXX gift card in the amount of {$500.00}, early for XXXX. As soon as I activated the card on XX/XX/XXXX, it was hacked and used to make this purchase from XXXX XXXX for {$480.00} cents, on XX/XX/XXXX. 
I filed a case with XXXX Giftcards : XXXX XXXX XXXX The system is telling me that this issue will not be resolved until XX/XX/XXXX. I have tried to speak to a customer support representative from XXXX and the Bank that Issues the cards. The support person I did speak to, forwarded me to a phone number that immediately hung up. There is NO WAY to speak with a real human being on this. 

Essentially, {$500.00} was stolen from the person who provided me the gift-card. Saying that this issue will be resolved in months is simply not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ClearBalance Holdings, LLC
State: FL

Complaint narrative:
Someone called, left a message saying " you've been notified ''. 
Called back, they said if I did not pay debt ( that I don't know anything about ) they would send a deputy to my job. Pressured me to pay in full or set up a payment plan. They had my SSN and an old email address. Not wanting a deputy to come to my place of business, I agreed to make payments. 
They claim that I signed up for a subscription in 2021 for XXXX or XXXX XXXX  products. 
Neither of which I have ever purchased or received product. They said the sent letter to my old address, which I did not receive. When i asked rhem to resend the letter to my new address they said no, i asked them to email me the letter, they said no and threatened again to take me to court. It was either submit to a payment plan to a product that they didnt know which exactly which product but I should pay for it otherwise they will send a deputy and have me servered and they will take me to court. They stated they would win because they have myy information, and i probably dont remember. 

Company is XXXX XXXX XXXX # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I am disputing the following accounts listed under my Experian report. These accounts are inaccurately reported, and I request they be corrected or removed if they do not meet the necessary reporting standards. 

Charged Off Accounts : 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 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
This morning, I received several notifications that there were multiple transactions from PayPal that I did not approve or enable. I attempted to call PayPal twice this afternoon regarding the fact that there were 3 transactions on my account from people that I didnt know, two of which someone had sent money to from my bank account. I received one cent from a XXXX XXXX, and someone sent {$45.00} to a XXXX XXXX and sent {$56.00} to a XXXX XXXX. I did not authorize these transactions, and I do not know these people. The first person I called through PayPal customer service had mentioned that since my old phone number was still attached to the PayPal account I had, that is how they were able to access my information. I did not have knowledge of this, considering I updated my phone number on my PayPal account as soon as I changed it. When I called the second person through PayPal customer service since the last call had dropped, they had stated that personal payments are reserved for friends and family. So since my old number was still attached to the account, they dont consider it fraudulent. I did not approve these transactions, therefore I consider them to be fraudulent. I had money taken out of my bank account without my consent or permission to people that I dont know at all. The experiences I had with PayPal customer service were rude, and unprofessional. They have also restricted my account preventing me from closing it, despite the fact that I was reporting fraud. I dont see how that warrants disciplinary action on my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-18 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TN

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : 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 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