vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
On XX/XX/2025 I purchased a motorcycle at XXXX XXXX in Florida. {$3000.00} of the amount charged to my Chase credit card was for XXXX optional motor-vehicle service agreements ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). 

Florida Statute 634.121 ( 7 ) gives me the absolute right to cancel these service agreements within 60 days for a 100 % refund. I requested cancellation in writing within that window. 

I opened a billing dispute with Chase. Chase originally ruled in my favor and issued a {$3000.00} provisional credit. 
Chase then generated and sent me a monthly statement that showed the {$3000.00} completely removed from my balance and gave me a specific minimum payment due date based on the lower balance ( without the {$3000.00} ). 

After that billing cycle had already closed and after I received the statement with the lower minimum payment due, Chase permanently reversed the credit and added the {$3000.00} back to my account. Adding a previously-credited disputed amount back after the statement cycle closed and a minimum payment was already issued is an explicit violation of Regulation Z 1026.5 ( b ) ( 2 ) ( ii ). 

Chase claims XXXX provided a signed acknowledgment form, but that does not override Floridas mandatory XXXX full-refund law, and Chase never considered the state statute during its investigation. 

XXXX also completely failed to respond to my XXXX XXXX XXXX complaint about the same {$3000.00} ( XXXX  case marked Unanswered ). 

The Florida Office of the Attorney General has already accepted my complaint against XXXX and confirmed my cancellation rights. 

I am asking Chase to : Permanently credit my account {$3000.00} Remove all related finance charges and late fees Correct any negative credit reporting Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I have asked on several different occasions that this debt be removed from my credit report because it is not my debt and asked for the company to supply me with the original contract and they have yet to do so. The companies are XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the debt listed in my credit report under XXXX XXXX, related to a supposed XXXX account. 

This debt is fraudulent and does not represent any legitimate obligation on my part. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. In this case, XXXX XXXX has failed to provide valid documentation proving the existence of this debt or my responsibility for it. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits a debt collector from reporting or attempting to collect a debt that has not been properly validated. Maintaining this account in my credit report constitutes a direct violation of federal law. 

I hereby request the following actions : 1. Immediate deletion of this fraudulent account from my credit report.

2. Written confirmation that such deletion has been completed.

3. Assurance that this debt will not be re-reported without proper legal validation. 

This letter serves as a formal record of fraud and of XXXX XXXX acct XXXX XXXX for {$910.00} failure to comply with its legal duty to maintain truthful and validated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the debt listed in my credit report under XXXX XXXX, related to a supposed XXXX account. 

This debt is fraudulent and does not represent any legitimate obligation on my part. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. In this case, XXXX XXXX has failed to provide valid documentation proving the existence of this debt or my responsibility for it. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits a debt collector from reporting or attempting to collect a debt that has not been properly validated. Maintaining this account in my credit report constitutes a direct violation of federal law. 

I hereby request the following actions : 1. Immediate deletion of this fraudulent account from my credit report.

2. Written confirmation that such deletion has been completed.

3. Assurance that this debt will not be re-reported without proper legal validation. 

This letter serves as a formal record of fraud and of XXXX XXXX acct XXXX XXXX for {$910.00} failure to comply with its legal duty to maintain truthful and validated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been in contact for months with Navy Federal regarding account # XXXX which they have now sold or transferred to XXXX. XXXX XXXX XXXX XXXX XXXX and they refrence it as # XXXX. This account has been reported as a collection/charge off and it is affecting my score negatively. The reporting of this account is incorrect as I see a balance after it was charged off. I urge the CFPB to help me with a reinvestigation of this account. I have requested a reinvestigation and they always come back saying it is verified and correct but how can this be correct? How can there be a balance if the amount they are asking me to pay has been written off as a bad debt? They have charged it off, so if has been charged off, how can there be a balance due? Please explain!! I am sure every party involved here knows that this is a violation. I urge your agency to to re-investigate this account as they have a responsibility to provide 100 % accurate reporting under 15 USC 1681S-2 and 15 USC 1681 2 ( a ) ( i ) If the information is not 100 % correct and accurate, then they must delete it off of all three of my reports. 
Also, please note the dates listed on XXXX XXXX vs XXXX XXXX  dates, they are all way off from each other which is correct? Was the date of last activity on XX/XX/XXXX or on XX/XX/XXXX and was the date close XX/XX/XXXX or was it XX/XX/XXXX?? I am confuse which dates are correct? Please remember that all this information has to be 100 % true and accurate. 
Lastly I have requested the 1099 C from Navy Federal and they have refused to give it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: Chime Financial Inc
State: NY

Complaint narrative:
My Chime account was hacked and accessed from an unauthorized location ( XXXX, NY ). I received emails showing an unknown device logged in and I was locked out of my account. {$550.00} was transferred without my authorization. 

I provided Chime with evidence of the unauthorized login, but they denied my claim. This is an account takeover fraud case under Regulation E, not a merchant dispute. Chime failed to properly investigate and wrongfully denied the claim despite clear proof of unauthorized access. I am requesting a full reimbursement and for Chime to comply with Regulation E requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding Credit Centrals reporting of an account on my credit report, which is inaccurate, misleading, and incomplete. The account shows continuous monthly charge-off ( CO ) notations from XXXX through XX/XX/XXXX, even though I settled and paid the account in XXXX, as confirmed by the Notice of Satisfaction of Judgment filed XX/XX/XXXX. Reporting repeated charge-offs for years, especially after the account was paid and resolved, is not accurate and violates the Fair Credit Reporting Act ( FCRA 602, 607, and 623 ), which require furnishers to report only information that is complete and accurate. Credit Central also verified inaccurate information during previous disputes instead of correcting it, further demonstrating that the account can not be considered reliable. I disputed this account with all three credit bureaus. 
Credit Central verified information that is clearly inaccurate. The payment history, status dates, and charge-off notations remain inconsistent and do not reflect the actual account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Inquiries : 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 2025-12-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
XXXXCompany: Axos XXXX  Product: Loan denial / adverse action  Loan No. XXXX Dates & proof: Adverse action notice dated XXXX; my dispute letter dated XXXX  sent by USPS Certified Mail, tracking XXXX XXXX XXXX XXXX XXXX XXXX Axos signed for the certified mail on XXXX (USPS signature receipt).XXXXStatement of problem (facts): On XXXX  Axos XXXX  issued an adverse action denial for Loan No. XXXX. The notice did not provide specific, principal reasons for the denial nor the required disclosure of my right to receive a statement of specific reasons, and it failed to provide a clear contact for obtaining those reasons. I sent a written dispute/ request for specific reasons on XXXX via certified mail; Axos acknowledged receipt on XXXX but has not provided the required written statement of specific reasons or a timely substantive response.XXXXWhy this is a problem: Under Regulation B (ECOA) creditors must provide a written adverseaction notice that includes either specific reasons for the action or a clear disclosure of the right to request those reasons and the contact information to obtain them; timing rules require notice within the statutory periods and a creditor must provide reasons if requested within the statutory window.XXXXIf the denial was based in whole or in part on a consumer report, FCRA adverseaction requirements also apply (including CRA identification and dispute rights)'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Accounts Request for Reinvestigation Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute all charge-off accounts currently appearing on my XXXX  credit report. Under 15 U.S.C. 1681i, I am requesting a full reinvestigation into these accounts, as the information being reported is inaccurate and can not be verified.

Please conduct a reinvestigation and provide written results. If the furnisher can not verify the accuracy of these charge-offs, they must be corrected or removed from my credit file as required by law.

Please also mail me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Accounts Request for Reinvestigation Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to dispute all charge-off accounts currently being reported on my XXXX  credit file. Under 15 U.S.C. 1681i, I am requesting a complete reinvestigation, as the information is inaccurate and can not be verified. 

Please investigate these charge-offs and provide written confirmation of your findings. If the information can not be verified, I request that it be corrected or removed from my credit report immediately, as required by federal law. 

Please send me an updated copy of my XXXX  report once your reinvestigation is complete. 

Thank you for your prompt assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
in accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Central Portfolio Control is reporting inaccurate and contradictory information to XXXX. 
XXXX XXXX  feed ( via XXXX XXXX XXXX reports the collection as XXXX between XX/XX/year>. 
Another XXXX  feed ( via XXXX XXXX ) reports the same account on the same date as XXXX days delinquent with {$300.00} past due. 

A collection account can not be simultaneously closed and delinquent. 
This inconsistency is harming my creditworthiness and violates the FCRA accuracy requirements. 
I have attempted to resolve directly but the inconsistent reporting continues. 
I am asking for the account to be permanently deleted due to repeated inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a checking and savings account with CHIME. A transaction was made in Arizona at a XXXX while I was in my XXXX home. I received a notification of a purchase in the amount of {$180.00}. This transaction was made on XX/XX/year>. I disputed the transaction twice and was denied. I spoke to a CSR and still I have not resolved the matter. I sent screenshots proven that I was in XXXX and that there was no way I could have made a purchase in Arizona. I contacted the XXXX in Arizona and I was told it would be handled and still nothing. I filed a complaint with the federal trade commission, I emailed the police department of XXXX to file a police report and I am filing a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
URGENT UPDATE to Complaint ID : XXXX XX/XX/year> M & T Bank has now reported a XXXX XXXXXXXX late payment ( XX/XX/year> ) and added another late fee while XXXX federal regulator complaints are open and an active XXXX  LEMON-LAW repurchase case is XXXX XXXX XXXX case # XXXX ). 

Despite my open CFPB complaint # XXXX and Federal Reserve XXXX XXXX XXXX # XXXX ), M & T Bank called XXXX XX/XX/year> and again denied hardship forbearance, citing loan too new. ( Internal policy - ignored law ). Furthermore, when I clarified this is a legal hardship tied to an active XXXX lemon-law repurchase claim, the rep responded : They will only grant forbearance with written buy-back confirmation from dealership/manufacturer. ( Internal policy - ignored law ) Suggested XXXX unwilling to make payments. 
Explicitly THREATENED REPOSSESSION, asked where the RV is stored, and if I am okay with repossession. 

This is willful bad-faith conduct in violation of Dodd-Frank 1036 ( 12 U.S.C. 5536 ) and the Fair Debt Collection Practices Act. 

I am willing and able to resume payments once the repurchase is complete, but XXXX XXXX Consumer Warranty Act 1793.2 ( d ) ( 2 ) provides strong protections against repossession and negative credit reporting during an active lemon-law claim. 

XXXX has opened an active XXXX lemon-law repurchase case # XXXX for the RV due to a defect that has rendered it completely unusable since delivery ( XXXX XXXX ( d ) ( XXXX ) and 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 2025-12-07 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-12-07 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: TX

Complaint narrative:
Re : Dispute of XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This account contains the following inaccuracies : Different balance and high-credit reporting Inconsistent Date Last Active Different Last Reported dates Payment history showing months of XXXX  activity with no corresponding account updates Conflicting collection comments Furnisher has not validated the debt despite prior disputes Under FCRA 1681i, please provide : 1. Proof of ownership and assignment from original creditor 2. The original contract 3. Itemized payment and delinquency ledger 4. Accurate DOFD 5. Metro-2 compliant reporting adjustments Failure to validate requires deletion of the account.

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