vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am formally disputing the JPMCB CARD account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, JPMCB CARD has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, JPMCB CARD, XXXX XXXX XXXX XXXX have also failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel JPMCB CARD and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file. 

Unauthorized account listed : 1 ) JPMCB CARD Amount : {$18000.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Caine & Weiner is reporting a {$440.00} collection account from XXXX that I disputed under the FCRA. Despite my dispute, they continue reporting this account. I have never received proper verification of this debt. My Social Security number was used to report an account that can not be verified. I request that all reporting cease immediately unless they can provide validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Put a hold on my account can't take money are send it's been 7 days now and the account still not closing can't pay my bills because the hold

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 2025-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U, S, C 1692G Please provide the following 1. The amount of debt you claim I owe 2. The name and address of the original creditor.

3. A copy of the original contract or loan agreement showing my signature.

4. A complete accounting of the charges, payments, and balance owed, including any fees, interest, or other charges 5. Documents proving that you have the legal right to collect the debt.

Unit you provide this validation, you are required to cease all collection activities, including reporting this account to any credit reporting agency.

Please note that I am requesting this information in writing. Any continued collection without providing the requested validation may constitute a violation the FDCPA

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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a letter with a credit card issued by Wells Fargo on XX/XX/XXXX. I did not request this card and did not authorize it. 
I tried to call their fraud department on XX/XX/XXXX. I called XXXX. They put me on hold for 30 minutes and I never did get through to anyone. I was told their fraud department was backlogged with calls and to try again later. I tried again later? Was on hold about 5 minutes, and was disconnected. 


XX/XX/XXXX I tried 4-5 different times to call each time being placed on hold. I was on hold for 43 minutes until the message came on and said. We are now closed please leave a voicemail. The voicemail box was full and they hung up on me. 

On Thursday, XX/XX/XXXX, I tried numerous times to call, this time I called XXXX. I spoke to a woman who said she could close the account but I would still need to talk to fraud, which she transferred me to. I was on hold for 1 hour and 9 minutes until the message came on and said sorry, we are now closed. It is XXXX. I left a voicemail that no one has responded to. 

I also received a letter in the mail that day that someone has also opened a Wells Fargo checking account in my name. 


XX/XX/XXXX and XXXX I also tried to message them through the XXXX messenger app. Both times I was told they would escalate my case and someone would contact me. No one has. 

I would like to file a complaint against Wells Fargo for failure to respond. I would like the credit card and the checking account closed. I have spoken to a lawyer and I will be seeking {$10000.00} worth of damages for my time and the mental stress this has caused me as well as the ding to my credit report and the lack of protection.

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 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I disputed the validity of an alleged debt with LVNV Funding LLC via their agent XXXX XXXX XXXX ( Reference # XXXX ) on XX/XX/year>, and formally requested validation under the FDCPA. They acknowledged receipt but continued collection activity by sending further collection emails and reporting the debt to XXXX, despite not providing any proof or validation. No original signed contract or itemized statement was ever provided. This is a violation of my rights under 15 U.S.C. 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: DE

Complaint narrative:
I recently pulled my credit report and noticed a negative account that are reporting inaccurately and without my knowledge. 
Please help me get this account removed 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 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information FCRA 1681i Reinvestigation Request Consumer ID : XXXX To Whom It May Concern, I am formally disputing inaccurate and/or unverifiable information currently appearing in my ChexSystems consumer report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681i. 
Item in Dispute ( XXXX XXXX XXXX XXXX ) According to my ChexSystems report, the following account is being reported : Source : XXXX XXXX XXXX  Reported For : Overdrafts Account Ending : XXXX Closure Date : XX/XX/XXXX Reported Amount : {$2200.00} Status : XXXX  Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am disputing this entry in its entirety because : 1. The information is inaccurate and/or incomplete. 
FCRA 1681e ( b ) requires ChexSystems to follow reasonable procedures to assure maximum possible accuracy. The information reported does not satisfy this requirement due to contradictions, missing documentation, and unverified data. 
2. ChexSystems and the furnisher ( XXXX XXXX XXXX ) must provide full verification. 
Under FCRA 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation of any item I dispute. The furnisher must provide complete, original documentation proving the accuracy of the entry. 
If the furnisher can not verify the information with legally sufficient evidence, the entry must be deleted.

3. If the item can not be fully verified within 30 days, it must be removed.

FCRA 1681i ( a ) ( 5 ) ( A ) states that ChexSystems must delete any item that is inaccurate, incomplete, or unverifiable after reinvestigation.

My Request I am requesting : 1. A full reinvestigation of the XXXX XXXX XXXX  account. 
2. Copies of all documentation received from XXXX XXXX XXXX. 
3. Immediate deletion of the item if it can not be fully verified.

4. A corrected ChexSystems consumer disclosure after the investigation. 
Identity Verification I am including photocopies of the following : Drivers license or state ID Proof of address SSN ending in XXXX Notice of Intent to Exercise My Rights If ChexSystems or the furnisher fails to comply with federal law, I reserve my right to file complaints with the CFPB, FTC, XXXX Attorney General, and/or pursue private civil action under FCRA 1681n and 1681o. 
Please confirm receipt of this dispute and proceed with the reinvestigation within the legally mandated timeframe. 
Sincerely, 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 explanation
Consumer complaint received 2025-12-07 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: NV

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-07 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: NV

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX Spring oak capital Re : spring oaks capital Collection Attempts Account No. : To Whom It May Concern : I am formally requesting that you cease and desist from all communication with me regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this debt. 

Effective immediately, you must stop : Calling my phone number ( s ) Sending letters, emails, or text messages Contacting my workplace or family members Any other form of communication relating to this alleged debt This request does not acknowledge responsibility for the debt, nor does it waive any of my rights. I am simply exercising my legal right to stop unwanted collection contact. 

If you believe the debt will be pursued further, you may only notify me once in writing to inform me of any intended legal action. Otherwise, you must stop all communication. 

Failure to comply with this letter will be considered a violation of federal law, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other appropriate regulatory authorities. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WV

Complaint narrative:
About 2 weeks ago there was an unauthorized charge on my card I contacted chime they sent me a new car and I found out today that there was another charge on my card unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX, and I would like to file a complaint against US Bank for refusing to address my dispute regarding a charge related to a subscription service for XXXX XXXX XXXX 

I used a credit card issued by US Bank to pay for an XXXX XXXX XXXX  service provided by a company called XXXX XXXX XXXX. The amount paid was {$3000.00} and the subscription period was from XX/XX/XXXX to XX/XX/XXXX. 

In XXXX of XXXX, 6 months after the beginning of my subscription with XXXX XXXX, I realized substantial loss from the signals provided by XXXX. Therefore, I disputed the charge with US Bank for refund of the subscription fee that I had paid to XXXX. However, US Bank told me that since the contract was for one full year, I had to wait until XX/XX/XXXX, when the contract ended, to dispute the charge. 

In XX/XX/XXXX, I began the dispute process with US Bank again, but after multiple times of ignoring my request, they are now saying that my dispute had been rejected back in XX/XX/XXXX, and they can not open it 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 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I want the funds in checking account number XXXX send to me via a check. I want this account closed.

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 2025-12-07 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies of my report account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX Name XXXX and XXXX number as show in the report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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. 


DPT EDXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am the victim of identity theft, and fraudulent accounts and inquiries were placed on my credit reports without my knowledge or authorization. I did NOT open, apply for, or consent to any of the accounts or hard inquiries that appear on my credit file. 

The following fraudulent accounts were opened in my name without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done business with these companies and did not authorize these accounts or applications. These accounts were opened through identity theft, and they are causing harm to my credit standing. 

Additionally, I did not authorize multiple hard inquiries that appear on my credit report. These inquiries were not initiated by me, and they further indicate unauthorized use of my personal information. 

I have prepared an identity theft affidavit, and I am submitting an FTC Identity Theft Report along with supporting documents ( ID, proof of address, etc. ) requesting the blocking and removal of these fraudulent accounts and unauthorized inquiries. 

Under FCRA 605 ( b ), I am requesting immediate blocking and deletion of all fraudulent accounts and inquiries from my credit reports. 

I need the credit bureaus and the data furnishers to fully investigate, remove the fraudulent information, and cease any collection activity related to these unauthorized accounts. 

I am requesting confirmation once the fraudulent accounts and inquiries have been permanently removed.

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 2025-12-07 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: PA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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