vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Unlawful Collection Reporting Jefferson Capital Systems Accounts : XXXX | Amount : {$580.00} XXXX | Amount : {$480.00} XXXX | Amount : {$890.00} NOTICE OF DEMAND FOR IMMEDIATE CEASE & DELETION This is a formal demand that you cease all collection activity and delete any reporting of the above accounts from all consumer reporting agencies due to violations of federal law : 12 CFR 1006.34 ( c ) ( Reg F ) requires complete, accurate, itemized validation ( current creditor, breakdown of amount, date ( s ) of service, and documents sufficient for me to determine the debts validity ). A bill or statement is not legal validation. Provide the original signed contract/authorization, full itemization, and chain of assignment ( including any debt purchase agreements ). 
12 CFR 1005.6 ( c ) ( EFTA ) limits consumer liability for unauthorized/erroneous transactions. Until you provide itemized proof that these charges were authorized, lawful, and properly posted, continued collection or reporting is unlawful. 
15 U.S.C. 1681e ( b ) ( FCRA ) requires maximum possible accuracy. Reporting unverifiable, incomplete, or inflated data violates this standard.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting information they know or should know is inaccurate. If you can not substantiate these debts as required, you must immediately retract and request deletion of any tradelines furnished. 
DEMANDS Provide full validation as described above within 15 days of receipt, or delete any reporting you have furnished and cease all collection efforts. 
If you verified these accounts with a bureau, disclose who verified them, how, and with what documents. 
All future contact must be in writing only. 
Failure to comply will result in complaints to the CFPB, FTC, and the Illinois Attorney General, and I will pursue civil remedies for statutory damages for violations of the FCRA and FDCPA. 
This is not a refusal to pay ; it is a notice that your claims are disputed. Until you provide lawful validation, you are barred from further collection or reporting. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have two business accounts with B of A. I have been a customer for 25 years. On XX/XX/XXXX we discovered fraud. Three checks, two of which were counterfeit. The first one seems to be stolen. I have made a complaint and not been contacted by fraud department since XX/XX/XXXX. I am out right now {$30000.00} and the bank refused to do a provisional return but also no updates at all. We could not freeze our account entirely because we can not gain access to XXXX XXXX on our second account. No one has been able to figure this out -- and again many hours with XXXX, XXXX XXXX  dept and the online banking department. I am a small business owner and this is devastating. I have had to change wires from clients, payroll XXXX, XXXX XXXX XXXX XXXX and many other accounts tied to the original account but still can not access the second account we have had for years. I can only transfer money- not pay bills or even receive funds. This is outrageous a bank as large as B of A can not get the fraud resolved OR give me access to XXXX XXXX on my own account. ( I have filed local police reports and with US Post office as well ) The person on the fraudulent check has an active corporation in state of Florida so his name and address all match yet no one can do anything? I am flabbergasted.

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 monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
FRAUDLENT CHARGES AND TRANSACTION ON MY BANK OF XXXX CREDIT CARD 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX ALSO I WOULD LIKE TO STATE THAT I DID NOT AUTHORIZE THE RETURN PAYMENTS ON XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE RETURN PAYMENT SHOULD HAVE NEVER HAPPENED THAT IS THEFT.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, a refund check issued by XXXX  XXXX  ( representing leftover Title IV XXXX XXXX XXXX funds payable to me, XXXX XXXX XXXX was endorsed and deposited into my boyfriend XXXX XXXX Chase account, because I had lost my ID and could not cash the check myself. I signed the check over to XXXX XXXX and watched him deposit it via the mobile app. I saw the transaction clear, and then he tried to transfer out the available funds. However, after he attempted to do that, the account was blocked. Closed. 

The check cleared, meaning Chase received the final settlement from the issuing bank. Shortly afterward, Chase closed my account and has refused to release the funds. For over three months, Chase has continued to hold the cleared funds without returning them to me or the account holder or to the issuing bank, in spite of several attempts.

Chase has insisted on verifying the original payees ( Me, XXXX XXXX ) identity via a phone number match. When this could not be completed immediately, I requested an alternative method of verification ( such as submitting a government-issued ID or phone bill ), but Chase denied all requests. Even after the payees phone number appeared on their TransUnion credit file, Chase refused to retry verification and stated they would continue to hold the funds indefinitely.

This is improper. Once a check clears, the funds legally belong to the account holder. A bank can not hold cleared funds indefinitely. By refusing to release or return these funds, Chase is effectively converting federal student aid money, which is protected under Title IV regulations.

Because the bank said that I had no other options to verify my identity, I opened up a new cellular account with XXXX. Luckily, it cost me nothing at the time of setup because I had my own device, so I was just ordering a XXXX  and the service. The bill has since come and is {$190.00}. I hadn't had a cell phone for this reason ; they are ridiculously expensive, and I used a XXXX XXXX account with my device, and it worked just fine. So, I am out now {$200.00} because the manual identification verification process requires a mobile number in the possession of the person trying to be verified, which I can't pay because the bank is holding my check. I'm late on rent. I can't afford to get a new ID because the bank is holding my check. I also can't pay my cell bill because the bank is holding my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
am disputing XXXX XXXX  reporting of an alleged account ending in XXXX. On XX/XX/year> and XX/XX/year>, XXXX XXXX responded to my written disputes with generic information ( dates, amounts, application by phone/internet ) but failed to provide lawful validation. No signed agreement, no chain of title, and no full accounting were ever produced. 

On XX/XX/year>, I demanded proper validation ( wet-ink agreement, complete payment history, proof of lawful authority ). Instead, on XX/XX/year>, XXXX  XXXX admitted that it sold the account to Resurgent Acquisitions , LLC ( now owned by LVNV Funding, serviced by Resurgent Capital Services ). On XX/XX/year>, I received a welcome letter from Resurgent confirming the transfer. 

Despite admitting it no longer owns the account, XXXX XXXX continues to furnish this tradeline to the credit bureaus. This is misleading and unlawful under FCRA 1681s-2, as XXXX XXXX has no standing to report an account it no longer owns. 

On XX/XX/year>, I sent XXXX XXXX a formal rebuttal and escalation, demanding deletion of the tradeline. They have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I am filing a complaint because my creditor, Servisolutions, is reporting late payments on my account ending in the last XXXX, XXXX. This is inaccurate and not properly verified,. I have disputed this directly with the credit bureaus and Servisolutions, but the late payments remain without proper validation or documentations. Under 15USC 1681 S2, furniture must report accurate information. Under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have sufficient evidence to support the negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
They are now trying retaliatory charges against me, XXXX minimum deposit on XXXX limit. 
That's asinine I refuse outright especially given they wouldn't fix the late fees issue. 
I got the card to finally work but now they are pulling this. 

I'm ready for court with them after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I attempted to buy off XXXX XXXX off XXXX, he had a good reputation and good reviews, I paid through PayPal XXXX & XXXX and then he blocked him right afger

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

This specifically concerns the following negative and closed accounts, which I do not recognize and do not recall authorizing : XXXX XXXX / XXXX Account ending in XXXX, reported as charged-off and closed by credit grantor. 
XXXXXXXX XXXX XXXX  XXXX Account ending in XXXX, reported as charged-off. 
XXXX / XXXX Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX ( XXXX ) Accounts ending in XXXX and XXXX, both reported as charged-off. 
XXXX / XXXX Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX Account ending in XXXX, reported as placed for collection. 
U.S. Department of Education ( XXXX XXXX ) Account ending in XXXX, reported as paid collection/closed. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information. 
2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA. 

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

This specifically concerns the following negative and closed accounts, which I do not recognize and do not recall authorizing : XXXX XXXX / XXXX Account ending in XXXX, reported as charged-off and closed by credit grantor. 
XXXXXXXX XXXX XXXX  XXXX Account ending in XXXX, reported as charged-off. 
XXXX / XXXX Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX ( XXXX ) Accounts ending in XXXX and XXXX, both reported as charged-off. 
XXXX / XXXX Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX Account ending in XXXX, reported as placed for collection. 
U.S. Department of Education ( XXXX XXXX ) Account ending in XXXX, reported as paid collection/closed. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information. 
2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA. 

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute.

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 2025-08-26 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-26 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Patrick K Willis Company Inc
State: VT

Complaint narrative:
Summary of Complaint I am filing this complaint against XXXX XXXX XXXX ( XXXX XXXX ) regarding their unlawful handling of my vehicle repossession and their refusal to provide documentation. 

On XX/XX/year>, during a recorded call with XXXX representative XXXX XXXX, the following occurred : He admitted XXXX is in possession of documents and a statement from XXXX XXXX  claiming no wrongdoing. 

He refused to provide these documents and attempted to redirect me back to XXXX XXXX, despite XXXX  independent obligations as a debt collector. 

He falsely claimed a release form was required before XXXX could provide documentation. 

He admitted XXXX is not a repossession company but subcontracted the work to XXXX XXXX. 

He condoned XXXX XXXX driving onto my lawn and using a lockout kit to forcibly enter my locked vehicle, insisting this did not constitute a breach of peace. 

He refused to provide a written recap of our phone call or XXXX  position. 

He told me that if I had an attorney, my attorney should call XXXX to obtain information suggesting I could not directly access the records, which is untrue. 



-- - Violations ARAs actions constitute violations of : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.
1692e False, deceptive, or misleading representations.

1692f Unfair and unconscionable practices ( refusing documents, condoning trespass ).

1692g Failure to provide verification of debt and supporting documents. 



2. Uniform Commercial Code 9-609 ( b ) ( 2 ) as adopted in Vermont Repossession must occur without breach of the peace.

Driving across private property and breaking into a locked vehicle constitutes breach of peace.

3. Vermont Trespass Statute, 13 V.S.A. 3705 Entry onto private property without consent is trespass, even without a fence or gate.

4. Vermont Consumer Protection Act, 9 V.S.A. 2451 et seq.

Obstruction, refusal to provide information, and misrepresentation are unfair and deceptive acts.

Company response to consumer: Closed with explanation