vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, a {$78.00} unauthorized NON-Chase ATM withdrawal occurred at XXXX XXXX XXXX XXXX, Illinois ( transaction ID XXXX ). I filed a fraud claim with Chase. I provided documentation showing I was physically at work at the exact time of the withdrawal nowhere near that ATM and I had my debit card in my possession. 

Chase denied the claim stating the transaction used a chip and PIN. They reopened the claim after receiving my documentation but denied it again for the same reason, even though my evidence proves I could not have made the withdrawal. 

Under Regulation E, a bank can not deny a claim solely because a correct PIN or chip was used, especially when the cardholder provides proof contradicting that determination. Chase did not consider my evidence and did not provide terminal logs or supporting documentation. 

I am requesting that Chase conduct a proper Reg E reinvestigation and credit my account.

I want Chase to follow Regulation E, provide all evidence used in their determination ( including terminal location logs, device ID, cryptogram data ), and refund the unauthorized {$78.00} withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear LVNV FUNDING LLC/CARE OF RESURGENT CAPITAL SERVICES L.P I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please provide me with a copy of any contract or agreement signed by your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you refrain from accessing my credit report or reporting any information to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These accounts contain inaccuracies, and I request they be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX, XXXX, XX/XX/year>, {$2300.00} XXXX CARD, XXXX, XX/XX/year>, {$700.00} Late Payments XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TN

Complaint narrative:
On XX/XX/2025, XX/XX/2025, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For XXXX/DOFED, Account No. XXXX, I am factually disputing this account due to multiple inconsistent and inaccurate data points across all three credit bureaus. First, the account number, date last verified, date of last activity, date reported, and even the date opened are not the same on each bureau, which is already a Metro 2 and FCRA accuracy issue. For XXXX, you show payments unavailable from XX/XX/XXXX through XX/XX/XXXX, then paid on time from XX/XX/XXXX all the way through XX/XX/XXXX, then suddenly a XXXX late in XX/XX/XXXX, and back to paid on time for XXXX and XX/XX/XXXX. For XXXX, you show nothing at all from XX/XX/XXXX through XX/XX/XXXX, then you hit me with a XXXX late for XX/XX/XXXX, another XXXX late for XX/XX/XXXX, and another XXXX late for XX/XX/XXXX with no supporting history leading up to it. For TransUnion, you show payments unavailable from XX/XX/XXXX through XX/XX/XXXX, then paid on time from XX/XX/XXXX through XX/XX/XXXX, then a XXXX late for XX/XX/XXXX, and then paid on time again for XX/XX/XXXX. There is no way this is accurate or consistentthis same loan can not be 90 days late and paid on time at the same time across different bureaus and months. This is a clear FCRA and Metro 2 violation. I am demanding that all inaccurate late payments for this account be removed immediately and the account either be corrected across all three bureaus to reflect accurate history or deleted entirely if XXXX can not provide proper, consistent verification.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For XXXXDOFED, Account No. XXXX, I am factually disputing this account due to multiple inconsistent and inaccurate data points across all three credit bureaus. First, the account number, date last verified, date of last activity, date reported, and even the date opened are not the same on each bureau, which is already a Metro 2 and FCRA accuracy issue. For XXXX, you show payments unavailable from XX/XX/XXXX through XX/XX/XXXX, then paid on time from XX/XX/XXXX all the way through XX/XX/XXXX, then suddenly a XXXX late in XX/XX/XXXX, and back to paid on time for XXXX and XX/XX/XXXX. For Equifax, you show nothing at all from XX/XX/XXXX through XX/XX/XXXX, then you hit me with a XXXX late for XX/XX/XXXX, another XXXX late for XX/XX/XXXX, and another XXXX late for XX/XX/XXXX with no supporting history leading up to it. For XXXX, you show payments unavailable from XX/XX/XXXX through XX/XX/XXXX, then paid on time from XX/XX/XXXX through XX/XX/XXXX, then a XXXX late for XX/XX/XXXX, and then paid on time again for XX/XX/XXXX. There is no way this is accurate or consistentthis same loan can not be 90 days late and paid on time at the same time across different bureaus and months. This is a clear FCRA and Metro 2 violation. I am demanding that all inaccurate late payments for this account be removed immediately and the account either be corrected across all three bureaus to reflect accurate history or deleted entirely if XXXX can not provide proper, consistent verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I must emphasize that unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries persist. This inaction is completely unacceptable. The ongoing presence of these potentially fraudulent entries strongly indicates identity theft and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report, which I believe to be inaccurate or incomplete. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and any inaccuracies be corrected or removed from my report. 
Accounts in Dispute : 1. XXXX Bank XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Original Creditor : XXXX Bank o Account Type : Revolving Credit o Dispute : The account is reported as positive, but I am concerned about discrepancies in the payment history. Please confirm the details of this account. 
2. XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Account Type : Installment Sales Contract o Status : Positive o Dispute : The payment history for this account appears incomplete. Kindly provide verification of the payment details. 
3. XXXX. XXXX, XXXX. 
o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Original Creditor : XXXXXXXX XXXX o Balance : {$530.00} o Status : Closed o Dispute : The account has been reported as a loss, and I dispute this classification. Please provide verification of this charge-off and supporting documentation for the final payment. 
4. XXXX XXXX o Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Balance : {$6000.00} o Dispute : The payment status and terms of this account are unclear. Please provide a detailed payment history and confirm the status of this 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy. 
These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay.

Resolving this issue is not just necessaryit is absolutely critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/year>, I deposited a check for {$7200.00} into my Citizens Bank checking account. Since that time, the funds have been unavailable, and the bank has kept the deposit on hold for over 8 months. 

From the beginning, I called the bank multiple times, requesting a written explanation for the hold, including : the reason for the hold, the type of exception hold, and the exact date the funds would be available. I was repeatedly told verbally that the check was under investigation, but no written notice or timeline was provided, which is required under Regulation CC. 

I also emailed the bank, visited the branch in person several times, and attempted to resolve the issue through customer service, but the bank continues to delay releasing the funds without explanation. 

This prolonged hold has caused financial harm, including inability to access my money and disruption to my financial obligations. I am requesting immediate release of the {$7200.00} and a written Regulation CC exception-hold notice explaining the banks actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Identity Theft Block Request 15 U.S.C. 1681c2 ( FTC Identity Theft Report Attached ) To Whom It May Concern, This is my formal demand under 15 U.S.C. 1681c2 requiring TransUnion to BLOCK and DELETE all information resulting from identity theft within 4 business days of receiving this notice and my FTC Identity Theft Report. 
TransUnion is reporting multiple fraudulent accounts that do NOT belong to me. I already submitted : A full FTC Identity Theft Report My government-issued ID My Social Security documentation My wet signature authorization Despite this, TransUnion failed to block these accounts and instead mailed me a vague notice claiming they can not process which violates FCRA and provides no lawful reason for refusing. 
Fraudulent Accounts to Block Immediately ( Per 1681c2 ) 1. XXXX XXXX XXXX XXXX Acct # XXXX Fraudulent amount : {$450.00} Date fraud began : XX/XX/XXXX 2. XXXX XXXXXXXX Acct # XXXX Fraudulent amount : {$2000.00} Date fraud began : XX/XX/XXXX 3. XXXX XXXX Acct # XXXX ( Two separate fraudulent entries ) Fraudulent amounts : {$5300.00} and {$3300.00} Date fraud began : XX/XX/XXXX and XX/XX/XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fraudulent amounts : {$830.00} and {$1100.00} Date fraud discovered : XX/XX/XXXX Medical debt is prohibited from reporting under recent CFPB/White House rules . 
All of these accounts appear on the enclosed FTC Identity Theft Report, proving these accounts were created without my consent and must be BLOCKED. 
LEGAL VIOLATIONS BY TRANSUNION 15 U.S.C. 1681c2 ( a ) You MUST block all identitytheftrelated information within 4 business days.

15 U.S.C. 1681c2 ( c ) You may NOT refuse based on unverified processing claims.

15 U.S.C. 1681i ( a ) ( 7 ) I am invoking my right to a full Method of Verification.

15 U.S.C. 1681e ( b ) Reporting known fraudulent data violates your accuracy obligation.

DEMAND FOR IMMEDIATE ACTION WITHIN 4 DAYS 1. BLOCK and DELETE every identity theft account listed above.

2. Provide written confirmation of deletion.

3. Provide the full Method of Verification you relied on. 
If TransUnion fails to comply, I will immediately file : CFPB complaint FTC violation report State Attorney General complaint Lawsuit for willful noncompliance under 1681n and 1681o This is your FINAL NOTICE. 
Respectfully, XXXX XXXX SSN : XXXX DOB : XX/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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX I went to Wells Fargo to deposit a settlement check for {$110000.00}. I specifically told them multiple Im a new member and that I wanted to know when the check would reach my account before officially depositing. The manager told me they would have to put it into the system before being sure that they knew the date. I was told it would reach my account by XX/XX/XXXX according to their system after acknowledging several times I was a new member. On XX/XX/XXXX I found out after I called to see what time it may deposit that my date was now moved to XX/XX/XXXX after I set up several payments to pay off past due bills. The bank has rejected the payments I needed to make so my bills are now past due with extra fees and my car could potentially be repossessed because they failed to give me a proper notice. The manager informed me that they had attempted to withdraw the funds from the settlement fund but they were denied so they placed an extra hold. When I spoke with the check provider they told me that it would not be denied as they would not have issued the check without the proper funds as that would be a crime. When I confronted Wells Fargo with this information they changed their reasoning to me being a new member despite being know before giving me a receipt with a specific date and never gave me notice that they could potentially change their reasoning date it arrives. The manager informed me that if they would not have denied their first attempt to pull the fund from the settlement fund then I would have received the funds on XX/XX/XXXX. The issue is that they would have released the fund before but now say its due to the new member status which is contradicting itself. This banks is likely using my fund to enrich themselves while I continue to be hit with penalties after this bank mislead me into depositing the check to their bank either with the knowledge that I would be later than shown or they are simply illegally withholding my funds from me which is causing numerous issues with the bills I need to pay especially after telling them I would have it payed off on XX/XX/XXXX. They have refused to contact me back regarding this issue and refuse to give me any paperwork indicating why this was done and in fact informed me that they simply dont have to let me know before doing so despite a mountain of legal paperwork showing that the check and transaction is completely legitimate.

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