vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding Chase Banks handling of my credit card application and their repeated misrepresentations about credit inquiries. 

Prior to applying, Chase provided me with a pre approval offer stating that applying would not impact my credit score and would involve only a soft inquiry. Relying on this representation, I submitted the application. 

Despite this assurance, on XX/XX/XXXX, Chase performed a hard inquiry on my credit report and ultimately denied the application. The denial reasons provided were vague and unsupported by my credit profile and did not reasonably justify the decision. 

After the denial, I contacted Chase and requested reconsideration. During the reconsideration process, Chase again explicitly stated that the review would involve only a soft inquiry and would not result in an additional hard pull. 

However, upon reviewing my credit reports and Chases own app records, I discovered that Chase conducted another hard inquiry on XX/XX/XXXX without my consent or prior disclosure. This second hard inquiry directly contradicts Chases repeated representations and occurred without any new application submitted by me. 

These actions constitute misleading and inconsistent disclosures regarding credit inquiries and caused unnecessary harm to my credit profile. I relied on Chases statements in good faith and would not have proceeded had accurate information been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4. 


SOMEONE ELES CREDIT CARDS. 
THEY HAVE FILLED BANKRUPTCY. 
I WAS ONLY AN AUTHORIZED USER. 
THE DEBT DOES NOT BELONG TO ME. 
I NEVER USED THE CARDS OR HAD ACCESS TO THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I received a bill from an account supposedly owned by me in 2016. I dont recognize this account nor its balance due. I paid off all my outstanding debts three years ago and was not aware of this account ( assuming its even valid ). 

I dont believe I was given sufficient proof of this accounts existence and am uncomfortable with being sent a bill over seven years old while the company has many zero attempts to contact me over that time until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX, an annual mobile service plan was purchased from XXXX XXXX in my wifes name. The payment was made using my Discover credit card, with my consent. The total amount charged was {$130.00}, and the order number was XXXX. 

At the time of purchase, we were informed that the plan could be canceled at any time. Based on this understanding, we proceeded with the annual plan purchase. 

The service was used for approximately two months, after which it was canceled because it was no longer needed. Despite cancellation, XXXX XXXX retained the full annual charge. Based on the two months of service used, the remaining unused portion of the plan amounts to approximately {$110.00}, as calculated and referenced during the dispute review by Discover. 

We contacted XXXX XXXX customer service to request a refund for the unused portion of the service. We were informed that the annual plan was non-refundable, which contradicted what was communicated at the time of purchase. XXXX XXXX customer service advised us to file a billing dispute with the bank used for payment. 

Following this guidance, a billing dispute was filed with Discover. After review, Discover closed the dispute in favor of the merchant, stating that the charge was valid, and no refund was issued for the unused service. 

After the dispute decision, we again attempted to resolve the issue directly with XXXX XXXX but did not receive a satisfactory resolution. A separate complaint has also been filed with the FCC regarding XXXX Mobiles billing practices. 

We are requesting that Discover re-review this dispute, taking into account the representations made at the time of sale regarding cancellation, the fact that only two months of service were used, and that a significant portion of the charged amount relates to unused service. We are seeking a partial or goodwill refund of approximately {$110.00}, representing the unused portion of the annual plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Got a vehicle financed from Truist. I had major problems trying to make payments, which caused me to go 34 days late. The information in their system and the information on my invoice they sent me did not match up. So when I could call or try to set up an online account, it would tell me that the information I entered did not match their records. Keep in mind that I am using information off of an invoice/statement they sent with the information on it. I tried to resolve this with the company but they told me it is not their problem and that I should have made the payment on time. Even though I could not with the information they provided me. I had to go to a branch and make a scene in order for me to get them to set up my online account so that I could make a payment. The phone system would be over 45 mins wait and the information, again, would not match so I could not gain access to the account. If this goes unresolved, I will file a lawsuit.

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 2025-12-24 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: IL

Complaint narrative:
Account : XXXX XXXX  ( Account # XXXX ) Violation : Illegal Reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) The XXXX XXXX  account ( Account # XXXX ) was previously investigated and DELETED MULTIPLE TIMES, including documented deletion on XX/XX/year>, and has been illegally reinserted today, XX/XX/year>. This reinsertion violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), as the CRA failed to provide the mandatory five-day prior written notice and certification of accuracy before reinsertion. There is NO basis for further investigationthis is a willful, illegal act.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I am submitting this complaint against National Credit System for reporting a fraudulent collection account that is the direct result of identity theft. This account was never opened, authorized, or used by me. I have no knowledge of this obligation and never received goods, services, or benefit from it. My FTC Identity Theft Report documents this account as fraudulent and confirms I am a victim of identity theft tied to compromised personal data from prior breaches. Under FCRA 605B and 605C, National Credit System is required to block and cease reporting this account immediately. Instead, the company continues to furnish this debt to consumer reporting agencies without lawful verification, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), and 611. Continued reporting of this account constitutes unlawful identity theft reporting and is materially damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4. 


SOMEONE ELES CREDIT CARDS. 
THEY HAVE FILLED BANKRUPTCY. 
THE DEBT DOES NOT BELONG TO ME. 
I NEVER USED THE CARDS OR HAD ACCESS TO THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-25 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:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
So my brother XXXX XXXX was XXXX in front of his home on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. I did a probate for him after his death. I was given the deed to the home. In my brother 's payment, he had insurance for the house, and in the insurance deed, it clearly stated that on death, he was insured for XXXX dollars, and the home would be paid in full. And in case of XXXX, he would get double, so that it would be XXXX dollars. Well, Chase Bank was the lender for his home loan. They gave me the deed that was paid in full, but will not provide any information about the insurance policy that should be paid to his estate, so the {$400000.00} I have never received as of yet, XX/XX/XXXX. I put the probate in XXXX and got the deed in XXXX, but I haven't received the insurance yet. When I ask about the insurance policy, I am not getting any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My vehicle was repossessed in California ( XXXX XXXX ) in either XXXX. Santander XXXX  USA repossessed the vehicle and demanded full payoff to recover it. I was never provided any written post repossession notice explaining my rights to redeem or reinstate, the amounts owed, deadlines, or notice of sale. 

After the first repossession, Santander representatives told me that full payoff would only be required after a third repossession. However, on the second repossession, reinstatement was denied without warning, without written explanation, and without any notice of changed policy. 

I never received any mailed notices required by California law explaining my rights or options. Santanders verbal statements were inconsistent and misleading, and I was deprived of the opportunity to exercise my rights. 

Date of purchase XX/XX/year> at XXXX XXXX XXXX XXXX XXXX with sales representative XXXX XXXX XXXX Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Essential Lending Inc
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to dispute to claim it wasnt me who purchased XXXX of items, when my credit limit was XXXX and they kept claiming it was me which I at no point drove to XXXX XXXX and XXXX XXXX rack up items

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I purchased ( via XXXX advertisement ) a set of wireless brake lights for my trailer on XX/XX/year> from seller XXXX, XXXX. XXXX charged via PayPal was {$46.00}. 

Item was allegedly shipped by seller, but never received. 

I contacted the seller and they claimed to have re-shipped the item under a different tracking number. 

On XX/XX/year>, I received an item not matching the description in the ad. The ad claimed that the trailer lights were wireless. Instead, I received a set of old fashioned wired lights, requiring hard-wiring to the electrical system to work. 

I disputed the charge through PayPal on XX/XX/year>, under their Case ID XXXX. 

PayPal expected me to pay return shipping ( $ XXXX {$46.00} ) to send the incorrect item back to the scamming seller in order for me to receive a refund of {$46.00}. 

That claim was closed out in the seller 's favor by PayPal on XX/XX/year>, after I refused to lose more money in the scam transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 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:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-25 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: Self Financial Inc.
State: IL

Complaint narrative:
Account : SELF / LEAD ACCT ( Account # XXXX ) Violation : Multiple Willful FCRA Violations ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681e ( b ), 1681n ) NARRATIVE OF NON-COMPLIANCE : The Credit Reporting Agency 's response of " Verified '' for the fraudulent Self / Lead Acct ( XXXX ) constitutes an outrageous and willful failure to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. 1681i ). This account is demonstrably fraudulent, as evidenced by the FTC Identity Theft Report ( Report # XXXX ) already provided. Furthermore, the account has been permanently deleted from my XXXX file, proving the information is inaccurate and can not be verified. The continued reporting of this item violates the requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). Most critically, this account was PREVIOUSLY DELETED MULTIPLE TIMES and its subsequent reinsertion is illegal under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), as I was never provided the mandatory five-day prior notice and certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, Cash App froze my account with a balance of {$120.00}. I was told multiple times by Cash App support that I would receive an email with instructions to resolve the freeze, but I never received any email. I have contacted support countless times over the past two months with no resolution. 

There is no court judgment or legal order against me. The freeze has prevented me from accessing my own funds, causing financial hardship and preventing me from buying XXXX gifts for my child. 

I have sent a formal demand letter to Cash App via in-app support and email ( XXXX, XXXX, XXXX ) requesting the release of my funds, but the company has not responded. 

I am requesting that Cash App release my funds immediately and provide a written explanation of why the account was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) Violation : Multiple Willful FCRA Violations ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681e ( b ), 1681n ) NARRATIVE OF NON-COMPLIANCE : The Credit Reporting Agency 's response of " Verified '' for the fraudulent XXXX XXXX XXXX Acct ( XXXX ) constitutes an outrageous and willful failure to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. 1681i ). This account is demonstrably fraudulent, as evidenced by the FTC Identity Theft Report ( Report # XXXX ) already provided. Furthermore, the account has been permanently deleted from my XXXX file, proving the information is inaccurate and can not be verified. The continued reporting of this item violates the requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). Most critically, this account was PREVIOUSLY DELETED MULTIPLE TIMES and its subsequent reinsertion is illegal under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), as I was never provided the mandatory five-day prior notice and certification.

Company response to consumer: Closed with explanation