vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Nationwide TFS, LLC
State: CA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Fees and Lack of Customer Support Almost XXXX years ago, I opened an account as prompted by my TFS XXXXl ( XXXXXXXX XXXX XXXX.tfsXXXX   ), where I make my monthly bankruptcy payments. 

This led to the creation of an account with XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX, I deposited {$1000.00}, fully believing this was a legitimate bank account. 

Yesterday, I logged back in and discovered that they have been deducting {$7.00} per month under the label of a dormancy fee. My original {$1000.00} has now been reduced to {$820.00}. 

There is also a message stating : After XX/XX/XXXX, any remaining balance will be refunded within 60 days by check to your address on file. 

I attempted to contact their customer service number ( XXXX ) twice, and both times the call dropped immediately after the automated message said a representative would assist me. There is no email address listed on their website or any other available method of contact. 

I have several concerns : How is it legal for a company to charge nearly $ XXXX in dormancy fees without clear and repeated communication? 

How is it acceptable for a financial institution to have a non-functional phone number as its only customer support line? 

Why is there no email or contact form available for customers who can not reach them by phone? 

This company should not be allowed to operate without functioning customer service or transparent fee structures. I am requesting a full refund of the fees deducted from my account. 

Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a XXXX form XXXX Chase for {$750.00} in " other income '' related to a confirmed fraudulent account that I never opened. Chase has already acknowledged this was identity theft, but refuses to correct their erroneous tax reporting to the IRS. This fraudulent XXXX now appears on my IRS Wage XXXX XXXX XXXX and XXXX cause significant tax problems if not corrected. 

I am not and have never been a Chase customer. 

Timeline of Events : XX/XX/XXXX : Someone fraudulently opened a Chase credit card using my stolen personal information XX/XX/XXXX : I discovered and immediately reported the fraud to XXXX XXXX fraud department ; account was closed XX/XX/XXXX : Chase sent written confirmation that this was fraud/identity theft and that I am not responsible for the account XX/XX/XXXX : Received erroneous XXXX for {$750.00} XXXX Other Income '' ( last XXXX digits match the fraudulent account ) XX/XX/XXXX : Called number on XXXX, transferred multiple times, XXXX callback in XXXX business days - no callback received XX/XX/XXXX : Called again, same promise of investigation and callback - no callback received XX/XX/XXXX : Spent XXXX minutes with various Chase employees, received identical promise - no callback expected Impact : My XXXX tax return deadline is XX/XX/XXXX ( filed extension ) The IRS has this fraudulent income on my official XXXX If I file without resolving this, I face potential audit and penalties If I report this fraudulent income, I'll pay taxes on money I never received What I Need : Chase must immediately issue either : A corrected XXXX showing {$0.00} income, OR A letter to the IRS retracting the erroneous XXXX XXXX months and multiple calls have resulted in XXXX action. No Chase employee seems to know which department handles tax form corrections, and the promised callbacks never materialize. Meanwhile, I'm facing an imminent tax deadline with fraudulent income on my IRS record that Chase put there. 

Chase has the ability to correct this error but appears unwilling or unable to route my request to the appropriate department. I need immediate intervention to resolve this before XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation under FDCPA Amount : {$730.00} To Whom It May Concern, I am writing to request validation of a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any alleged debt. Please provide the following : 1. The original creditors name and address 2. A breakdown of the amount owed ( principal, interest, fees ) 3. A copy of the signed agreement or contract 4. Proof that you are authorized to collect this debt 5. A copy of the last payment made on the account ( if any ) Until this information is provided, you must cease all collection activities and stop reporting this debt to credit bureaus. If you can not provide the requested validation, please remove the listing from my credit report. 

This letter is not a refusal to pay, but a request for validation pursuant to my rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My wallet was stolen and I had to replace my debit card. In that process a payment was missed with XXXX. Since it was my first time missing a payment they advised my to leave a default account number to prevent it from happening again. I did so. When the negative item hit my credit report it dropped my score XXXX points. When XXXX corrected it Experian only gave me back XXXX points. Under the fair credit reporting act 15 USC subsection 1681e ( b ). There should be maximum accuracy and be fair and impartial.

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 2025-08-08 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: GA

Complaint narrative:
I checked my credit report this morning like I normally do, and I was shocked to find inaccurate accounts listed. I dont understand how they got there. I even refreshed my browser, thinking it might be a technical error, but the issue remained. These accounts didnt disappear. Because of this, Im requesting a thorough review of the documents Ive submitted so I can finally stop worrying about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : Formal Demand for Deletion of Inaccurate Charge-Offs under 15 U.S.C. 1681e ( b ) and 1681i To Whom It May Concern : This letter is a formal, aggressive demand for the immediate deletion of one or more charge-off entries appearing on my credit report, as they are being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 

The following account ( s ) are in dispute : Community XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX VIOLATION OF 15 U.S.C. 1681e ( b ) The FCRA requires you to maintain and report only accurate, complete, and verifiable information. However, these charge-off entries are inaccurate and misleading for the following reasons : 1. The balance, status, or dates are not updated or consistent with creditor records.

2. The account is reported as both charged off and past due monthlythis is double derogatory reporting, which is misleading and unfair.

3. The original creditor has not verified this data through reasonable procedures required by law. 

Your continued reporting of this negative entry without verifying its accuracy is a direct violation of your obligations under 1681e ( b ).

VIOLATION OF 15 U.S.C. 1681i Furthermore, under 1681i, once a dispute is submitted, the credit bureau must conduct a reasonable reinvestigation and delete any information that can not be verified within the 30-day window. If you can not fully verify every detail of this accountincluding original documents and statements from the furnisheryou are required by law to DELETE IT.

I am demanding : A full reinvestigation of the above-referenced account ( s ) ; A written statement of the method of verification used; Immediate deletion of all unverifiable or inaccurate charge-off data ; A new copy of my credit report reflecting these changes. 

Failure to comply will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing all legal remedies available to me under federal and state law. I am keeping meticulous records of this dispute for use in any litigation or regulatory action that may follow.

You have 30 days from the date of receipt of this letter to respond and correct these violations. No response or failure to delete will be seen as willful noncompliance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-08 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for ( Account Name XXXX XXXX ) ( Account # XXXX ) [ Specifically, XXXX  is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion  is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Made a mobile deposit of $ XXXX. $ XXXX was avail immediately. Which I always do .the next morning the amount was deducted. Saying no endorsement, which both parties signed. But the rep I spoke to Saturday said it was missing for deposit only and acct number. So I added it, asked her was anything else missing. The check was made to me and my contractors business name, rep told me everything was good but I cant mobile deposit I have to take to bank she then gave me a atm to take it to 45 min away! I took the check it gave me available date of XXXX on XXXX. They reversed the check saying it wasnt endorsed correctly! Then said at this point they sent me a digital check by mail. That needed to be mailed back, mailed the check back in mail. XXXX theres another 7 day hold on the check, this check is in for the repairs of my home and can easily be verified since there company all tells u something different. And I abided and waited each time they told me to. Meanwhile the contractors have left and stop working because Im unable to pay them because of Usaa terrible misleading responses. I asked to speak to supervisor a XXXX times and made 11 complaints they advised me that no supervisor is available. And really didnt care who I reached out to.. At this point my account is overdrawn with them having collection people calling and the entire check is still on hold.,,, this is the 4th time of this incident with this credit union.

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 2025-08-08 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: GA

Complaint narrative:
There are multiple discrepancies on my credit report that have not been addressed through the investigation. I have requested the verification methods for all accounts associated with these discrepancies.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Dispute of Collection Account Request for Validation under FCRA and TDCA XXXX To Whom It May Concern : I am writing to dispute the accuracy and validity of the collection account you have reported on my credit file. This letter is a formal request for debt validation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Texas Debt Collection Act ( TDCA ), Texas Finance Code 392.202 and 392.307.

The account in question is : Creditor Name XXXX XXXXSpring Oaks CapitalXXXX Account Number XXXX XXXX  Date reported : XXXX XXXX, XXXX Reason for Dispute According to my records, this alleged debt is obsolete and beyond the statute of limitations for both collection and credit reporting in Texas.

Under FCRA 605 ( a ), negative accounts may not be reported for more than 7 years from the date of first delinquency.

Under Texas Civil Practice & Remedies Code 16.004, the statute of limitations for most debt is 4 years from the date of default. 
Once the statute of limitations has expired, you may not legally sue to collect, and any continued reporting or collection attempts may constitute a violation of the FCRA, TDCA, and the federal Fair Debt Collection Practices Act ( FDCPA ).

Demand for Action Pursuant to FCRA 611 and Texas Finance Code 392.202, I request : 1. Complete validation of this alleged debt, including the original signed contract, full payment history, and proof that you have the legal right to collect in Texas. 
XXXX. The exact date of first delinquency reported to the credit bureaus. 
XXXX. Removal of this account from my credit report if you can not provide verifiable proof within 30 days.

4. Cessation of all collection activity until the account is validated.

Notice of Rights Please be advised : If you verify inaccurate information with any credit reporting agency, you will be in violation of FCRA 623. Continuing to attempt collectio
n on a time-barred debt may violate FDCPA 807 ( 2 ) ( A ) and Texas Finance Code 392.301 ( a ) ( 8 ).

Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and possible civil action.

I expect a written response within 30 days from the date of receipt of this letter. If you can not provide complete validation, you must immediately remove the account from all credit reporting agencies and cease all collection efforts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report lists an account that I did not open, authorize, or approve. I have no association with this account and never gave consent for my information to be used in connection with it. This inaccurate reporting is a product of identity theft and is harming my credit rating.

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 2025-08-08 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: GA

Complaint narrative:
dispute the misuse of your credit score due to a charged-off account and the lack of a 1099-C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
dispute the misuse of your credit score due to a charged-off account and the lack of a 1099-C form.

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 2025-08-08 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: GA

Complaint narrative:
dispute the misuse of your credit score due to a charged-off account and the lack of a 1099-C form.

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