vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Chase refusing to release funds from joint account to proper estate despite survivorship law I am the administrator of my fathers estate ( XXXX XXXX ) My father and step-mother ( XXXX XXXX XXXX held a joint bank account with Chase Bank that included right of survivorship. My step-mother died first. Under the account contract and state law, the entire balance became my fathers sole property immediately upon her death. 
My father then died. Therefore, the funds belong entirely to his estate. 

Several times Between the weeks of XXXX I visited the chase bank : XXXX, New York branch . Provided all documentation ( death certificates, letters of administration, etc. ). I spoke to the branch manager : XXXX XXXX several times, she informed me that Chase is refusing to release the full account balance to my fathers estate and is incorrectly applying a 120-hour simultaneous death rule, which does not apply to joint accounts with contractual survivorship. Chase has stated they will release only half of the funds unless I obtain letters of administration for my step-mothers estate, even though she had no ownership interest in the account at the time of death. 

Attached In this complaint I have provided : Death certificate for both joint owners Letters of administration for my fathers estateProof that my step-mother predeceased him Chase has refused to follow the law or the joint account agreement. After several attempts they refuse to rectify the situation and refuse to escalate this to proper channels. Chase will not release the full funds to the estate, as I have attempted multiple times as the administrator of my fathers estate. They stated that they have looked over and approved all paperwork that I have provided, but will only release half of the funds. I have provided all original death certificates, letters of administration, and all other pertinent paperwork to chase bank. 

I am requesting that the CFPB require Chase to : Release the full account balance to my fathers estate, as required by the joint accounts right of survivorship. 

Stop improperly applying the 120-hour statute to survivorship accounts. 

This refusal is delaying probate, creating unnecessary costs, and contradicting state law and the banks own account agreements. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I received notification that there was debt collection added to my credit report. I looked up the company named and gave them a call. Their first response was that they could negotiate a settlement offer to pay less. I told them I wasn't interested in paying, I wanted to know what the debt was for. They refused to tell me unless I gave them a credit card to pay for a credit report. This is clearly a fraudulent company looking to scam people out of money. I'm not paying anything to have a collection removed from my account that is not mine to begin with. There is no way I have a collection debt for this amount of money and it needs to removed from all credit reports immediately! I will be making a report to the better business bureau and filing a lawsuit against this fraudulent company for their illegal practices. I never once received any kind of notice that there was a supposed collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was a lease for a vehicle that I did not request or apply for this is fraudulent and is not my account. Ive never leased a vehicle. Ive only purchased vehicles. This is fraudulent and it is problematic to my credit report. I have reported this error or problem or this identity there to XXXX XXXX, XXXX  and experience, Experian

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 2025-11-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX Department XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion XXXX XXXX Dear TransUnion Compliance XXXX, I am writing in reference to the letter I received from TransUnion acknowledging XXXX my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX. XXXX XXXX XXXX. Mohela/DOFED / XXXX XXXX. Mohela/DOFED / XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX Bank/ XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA.

Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion XXXX XXXX XXXX I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : Exhibit A TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX Department XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion XXXX XXXX Dear TransUnion Compliance XXXX, I am writing in reference to the letter I received from TransUnion acknowledging XXXX my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX. XXXX XXXX XXXX. Mohela/DOFED / XXXX XXXX. Mohela/DOFED / XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX Bank/ XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA.

Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion XXXX XXXX XXXX I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : Exhibit A TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this complaint because the information reported by the credit bureaus contains multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically involving inaccurate, misleading, and unverified data. The XXXX accounts are being reported inconsistently across Experian, Equifax, and TransUnion, all showing a {$0.00} balance and a current status, yet each bureau reports a different and conflicting Date of Last Activity ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which violates FCRA 602 ( A ) ( maximum accuracy ), FCRA 607 ( b ) ( duty to assure accuracy ), FCRA 605 ( b ) ( 1 ) ( A ) ( outdated or incomplete information ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must not report false or misleading information ). In addition, XXXX accounts are being falsely reported as 30 days late for XX/XX/XXXX on both Experian and TransUnion, despite these payments being made on time, which again violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 2 ) ( duty to correct and update information ). These late payments are inaccurately listed and damaging my credit standing despite being factually incorrect. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and the bureaus and furnishers must conduct a reasonable reinvestigation within the legally mandated timeframe. Furthermore, if the information can not be verified, FCRA 611 ( a ) ( 5 ) requires the deletion or correction of all disputed data. The continued reporting of these inaccuracies suggests a failure to reasonably investigate under FCRA 1681i ( a ) and constitutes negligent or willful noncompliance under FCRA 616617. I am requesting immediate action because these erroneous entries are materially harming my credit score, creditworthiness, and ability to obtain financial products.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
I called on XX/XX/XXXX and XX/XX/XXXX in the year XXXX. I also spoke with the edfinancial on XX/XX/XXXX and was able to go into forbearance with a retroactive date. I was given options to submit paperwork and the portals never worked. I even sent letters and they were never received. I am requesting my payment statuses for my edfinancial accounts be removed from negative and be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
On or about XXXX XXXX XXXX, a scheduled payment on my auto loan was received within XXXX hours of the contractual due date. No late payment has ever been reported to any credit bureau, and the account has remained current. 

That same evening, between XXXXXXXX XXXX and XXXXXXXX XXXX. on XXXX XXXX XXXX representatives of XXXXXXXX XXXX XXXX  ( XXXX ) contacted multiple personal references I had previously provided and disclosed my real-time geographic location as determined by the vehicles XXXX  system, stating that I was then located in Pennsylvania. I have time-stamped text messages from the references confirming these statements. 

Additional violations and bad-faith conduct include : XXXX. XXXX has continued to bill {$80.00} per month for force-placed ( collateral ) insurance despite my submission of valid full-coverage insurance proof via email on XX/XX/XXXX. No response was provided and the illegal charges continue. 

XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX accidentally emailed me stating there was no recent activity in call logs when attempting to retrieve records of the XX/XX/XXXX calls suggesting possible spoliation or mishandling of evidence. 

XXXX. On XX/XX/XXXX, XXXX issued a written denial letter falsely claiming repeated delinquencies, insurance lapses, and address violations all contradicted by my credit report and documentation. 

These actions violate the Gramm-Leach-Bliley Act ( unauthorized disclosure of nonpublic personal information and real-time location data ), the Fair Debt Collection Practices Act ( harassing/abusive third-party contacts at inconvenient hours ), the Fair Credit Reporting Act ( potential inaccurate reporting ), and Indiana consumer protection statutes ( improper insurance billing ). 

Time-stamped text messages from references confirming the calls between XXXX XXXX. and XXXX XXXX. on XXXX XXXX XXXX and the location disclosure are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is attempting to collect an alleged XXXX XXXX XXXX  account originally issued by XXXX XXXX  in the amount of {$1600.00}. However, I did not receive the written validation notice required under the FDCPA, and the information LVNV is reporting is incomplete, inaccurate, and not supported by any original creditor tradeline. 

XXXX XXXX  XXXX not reporting the original account on any credit bureau XXXX including XXXX  ( XXXX ), XXXX, XXXX XXXX  ( XXXX XXXX ). There is no original open date, no payment history, no Date of First Delinquency ( DOFD ), no charge-off date, and no original creditor data being furnished by XXXX XXXX  XXXX Despite this, LVNV is reporting a collection account without any of the legally required supporting information. 

LVNV Funding is reporting the account with a Date Assigned of XX/XX/year>, which is not the original date the XXXX account was opened. It is simply the date LVNV acquired the debt. This results in re-aging, which is prohibited under the Fair Credit Reporting Act ( FCRA ). LVNV also has not provided : The original account opening date DOFD ( Date of First Delinquency ) The charge-off date A detailed account history An itemization of the {$1600.00} balance The original account documents Proof that LVNV legally owns the debt The complete chain of assignment from XXXX  XXXX  I did not receive any written notification from LVNV of my right to dispute the debt within XXXX days of their first collection attempt. When I attempted to request information, LVNV did not provide any of the above documentation. 

Because the original creditor is not reporting this account anywhere and LVNV is furnishing incomplete and inaccurate information while failing to validate the debt, I dispute this collection in full. I am requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Dispute Reopening Required : Irrefutable Merchant Refund Evidence I am filing this complaint because Capital One has repeatedly closed my dispute ( Case XXXX ) and rebilled me {$60.00}, despite my providing irrefutable proof that the merchant ( XXXX ) admitted the charge was invalid and issued a refund. 
The Facts : 1. The original charge was {$60.00} from XXXX on XX/XX/year>. 
XXXX. The case was closed against me on XX/XX/year>, because XXXX XXXX accepted a " valid merchant response. '' XXXX. I have provided evidence that directly contradicts the merchant 's claim. This evidence is an email from XXXX 's own representative, XXXX ( attached as a PDF ), which explicitly states : " although we have refunded you the last charge you have done for yearly subscription renewal. '' The Issue : The merchant can not claim the charge is valid to your bank while simultaneously confirming they issued a refund for the exact same transaction. Capital One 's internal disputes process has failed to properly review this critical piece of contradictory evidence. 
I demand that Capital One immediately review the attached merchant-issued refund confirmation, overturn the incorrect decision, and make the {$60.00} credit permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i Found that 2 accounts were opened in my name fraudulently i have never done business with any of these companies. before.

below i have listed the companies. i went to my local police station and the police informed me since i dont know who the suspect is i would have to fill out complaint on ic3.gov which i am doing now. 
these are the accounts that were opened in my name XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX Closed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX730.00} Opened XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed fraudulent accounts on my credit report and theyre hurting my ability to obtain credit.

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