vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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:
they were given ample proof to win disputed and claimed they didnt get it when i have proof of all ways not only did they, but they blocked submission and me logging. they charged fees and itnerest and tried colletc on amount that was in dsipute and litigation violated XXXX when they know if couldnt type or use fon yet forced me to. they ruined credit and it needs to be taken off and refunded and for my time and lost interst. this totals XXXX but will settle for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized XXXX debit transactions from my personal checking account at Chase. These transactions appeared as CHASE XXXX XXXX XXXX XXXX ID : XXXX and were withdrawn without my consent or knowledge. The amounts ranged from small to significant sums, with posting dates spanning from XX/XX/XXXX through XX/XX/XXXX, totaling several XXXX dollars. 

Upon discovering these unauthorized autopay debits, I immediately filed a fraud claim with Chase on XX/XX/XXXX. I disputed all the unauthorized charges and requested a full investigation. However, Chase approved reimbursement for only a handful of earlier transactions and denied the majority, stating that many claims were submitted outside their required timeframe for reporting fraud. 

I requested a detailed explanation and evidence regarding how they decided which transactions to reimburse, but Chase did not provide sufficient information or clarify their decision process. I was told I could not appeal or dispute the claim further, despite Chase approving transactions from XX/XX/XXXX ( nearly a XXXX  old ) while simultaneously denying more recent transactions from XXXX using the same timeline argument. As a consumer account holder, I am entitled to XXXX protection under Regulation XXXX, not the XXXX business account standard Chase appears to have incorrectly applied. 

I have never authorized these autopay debits, nor have I ever consented to payments to the merchant or vendor associated with the XXXX XXXX  XXXX. I take the security of my account seriously and had no prior knowledge of these charges. I am seeking assistance to have all unauthorized transactions fully reimbursed and for Chase to provide transparency about their investigation. 

All transactions share the same XXXX XXXX XXXX XXXX  ), indicating systematic unauthorized access to my account rather than isolated incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am filing this complaint because TekCollect is attempting to collect a debt that is invalid, related to services I never fully received due to a breach of contract by XXXX, and they have failed to respond to my request for debt validation. 

I began orthodontic treatment with XXXX on XX/XX/XXXX, under a financing plan with XXXX XXXX XXXX ( XXXX ). The contract included aligners, ongoing support, and a lifetime care guarantee. However, in XX/XX/XXXX, XXXX filed for bankruptcy and ceased operations, leaving my treatment incomplete. I did not receive the full set of aligners, follow-up care, or lifetime support. 

Despite the company 's closure and their failure to fulfill their obligations, XXXX continued billing me and eventually sent the account to TekCollect.

TekCollect has since reported this account to the credit bureaus, significantly lowering my credit score. I contacted TekCollect directly to dispute the debt and requested : -Written proof of the debt -A copy of the original agreement -A full, itemized list of charges -Proof of their legal authority to collect on the account To date, I have not received any response from TekCollect. They have not provided any validation or evidence of their right to collect this debt, which is required by law under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
b'I am filing this complaint against Equifax Information Services LLC for reporting unauthorized credit inquiries on my credit report and failing to investigate and correct the information as required by the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681b and 1681i.\n\nUpon reviewing my Equifax credit report dated XXXX XXXX XXXX I discovered unauthorized hard inquiries that I did not initiate, authorize, or consent to. These inquiries includeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were made without a permissible purpose, in violation of FCRA  1681b, which states that consumer reporting agencies may only provide reports when authorized by the consumer or when a valid permissible purpose exists. I did not apply for credit with these companies at the dates listed.\nIn accordance with FCRA  1681i, I mailed formal written disputes to Equifax requesting:\n\nImmediate deletion of these unauthorized inquiries;\nVerification from the furnishers demonstrating documented consumer authorization;\nA written copy of the results of Equifaxs reinvestigation.\nTo ensure delivery and document compliance, I mailed my dispute via USPS Certified Mail to both Equifax headquarters and their general dispute address:\nEQUIFAX XXXX  Certified Mail Tracking #: XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX  Certified Mail Tracking #: XXXX XXXX XXXX XXXX XXXX XXXXnDespite receiving my disputes, Equifax has failed to delete the unauthorized inquiries, provide verification, or respond with the results of their reinvestigation within the time required by law.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per XXXX  XXXX ( a ) ( XXXX ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter XXXX result in further escalation to the FTC and state regulatoryauthorities.

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 2025-08-06 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX, XXXX XXXX Subject : Cease and Desist Communication Request Regarding Account [ Account Number ] To Whom It XXXX Concern, This letter serves as a formal notice for you to immediately cease and desist all direct communication with me unless required by law. 

This notice specifically concerns an account with the following details : Creditor Name : LVNV Funding LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed this account as inaccurate, outdated, or unverifiable, and it remains unresolved. Continued communication or reporting of this false or disputed data is a violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, pursuant to my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) [ XXXX XXXX. XXXX ( c ) ], I hereby request that all future communications cease immediately. This includes phone calls, letters, emails, or any other contact, unless legally required. 

If this matter is not within your jurisdiction or if the communication was made in error, please consider this a formal request that no further contact be made unless it is mandated by law. 

Failure to comply with this cease and desist request XXXX result in me pursuing additional actions, including filing complaints with state or federal oversight agencies or seeking legal remedies. 

Please provide a written confirmation within XXXX business days acknowledging your receipt of this letter and your compliance with my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
XXXX XXXX failed to address the fact that I attempted to cancel the contract before funding. They shifted blame entirely to the dealer, yet funded the loan over my objections. I am now seeking full legal cancellation and reporting both parties for unfair and deceptive practices. Follow-up form complaint 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: GA

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

As more than XXXX  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 Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing this complaint because Chase Bank denied my fraud dispute for a {$6000.00} unauthorized ACH transfer to XXXX and refuses to reopen the claim. 

Chase stated the denial stands because the name on the XXXX account matches mine. However, this does not prove that I authorized or initiated the transaction. I did not initiate, authorize, or consent to this {$6000.00} transfer. 

I asked Chase to reopen or escalate the case, but they refused and closed it without conducting a proper investigation, in violation of XXXX XXXX XXXX names alone do not equal authorization under federal law. 

This XXXX involve identity theft or an account takeover, and I have contacted XXXX to investigate. I am also filing a police report. 

I am requesting that Chase be required to conduct a full XXXX XXXX-compliant investigation and refund the {$6000.00} that was wrongfully withdrawn from my account. 

Chases refusal to reopen or investigate the matter is negligent and a denial of my rights as a consumer under federal banking law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX- Please remove it from my credit report. 

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX - Please remove it from my credit report. 

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX  - Please remove it from my credit report. 

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX XXXX- Please remove it from my credit report. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX  - Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief