vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So I've had a brand new Chase Sapphire reserve card that I paid at {$800.00} annual fee for and I've only had it for about two months. I've made all of my payments on time and in fact I've paid back my account almost in full and made several payments each month usually around {$1000.00} or more when the minimum payments are maybe {$200.00}. I left my card at a restaurant the other night at XXXX XXXX XXXX. I had my credit card behind the counter for incidentals and I had a tab open for dinner and drinks. When I left the restaurant, I forgot to close my tab and so my credit card was left there. That same night I noticed that there was {$100.00} charge for a company called XXXX XXXX on my credit card. This is an online betting website and I've never had an account with them and I've never had any business with them. Chase advised me that the account was being closed due to that charge, and that that charge flagged my account as high risk. However, I didn't make the charge price pics confirms an emails that I did not make the charge and that some person named XXXX XXXX who I have no idea who that is made the charge. I am attaching the entire email thread. 

Chase is punishing me for being a victim of credit fraud and someone using my card to make a deposit at XXXX XXXX in their account. Never has there been any charges or anything in my history ever linking me to a gambling site. I offered their fraud department to call XXXX XXXX  on 3-way so that I can give XXXX XXXX  my information so that they can confirm I do not and have not ever had an account with them. I didn't even know who they were prior to me calling them and emailing them to ask why there was a {$100.00} charge on my account. Chase took the fraud claim and said they'd investigate it, but then they also used that charge that was NOT made by me or authorized by me, to close my account, claiming I was high risk. This is nuts. This can not be legal that they punish a cardmember for an unauthorized charge. I have never had any other unauthorized charges and I have been a happy customer and a great customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Man called me from XXXX and asked for me by name, I confirmed myself by name, the man said I owed Chase Bank {$24000.00} for a credit card. I asked why he didn't verify another piece of PII because I don't have any delinquent accounts. He said because I confirmed my name, he didn't have to. I asked what company he is with, he said XXXX XXXX XXXX. He then stated the account is linked to a business, XXXX XXXX XXXX XXXX XXXX. I told him I am not connected to this business, he refused to listen. I requested a VOD letter to be sent to me via email. He said he can't do that, he can only send to the address they have in XXXX XXXX, FL. I have never lived there. I repeatedly asked for VOD, the man said he thinks he has the wrong number. I advised him I would reach out to his company directly as a compliance manager for a debt buyer. He claimed the debt is owned by Chase and that the debt is on my credit report. I called Chase to confirm that my account is current without any balance at all, nor do I have any charged off Chase accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC
State: AZ

Complaint narrative:
New Day company has not taken any monies from me, because I choose to not do business with them. I have researched this company and do not find them to be reputable. My complaint is that I have contacted them via the email provided in their mailings and requested to be removed from their mailing list. This went on at my previous residence and now 6 months later in my new home it's starting again. Same result, I send an email, they respond that it will be taken care of, but they don't. 

It may seem petty, I can just recycle the mail, but they have NO BUSINESS sending me anything, especially since I have been very polite and very clear about not being contacted. 

Please advise. 

Kind regards, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau to report that Equifax continues to publish inaccurate personal information on my consumer file, despite my prior dispute. I previously requested that Equifax correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ), yet the inaccurate information remains. The addresses currently being reported do not belong to me, have no connection to my identity, and do not reflect any current or former residence to my knowledge. These errors create confusion, compromise the accuracy of my personal profile, and directly impact the integrity of my consumer report. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. However, Equifax continues to report the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. These locations are not affiliated with me in any capacity, and their continued reporting represents incomplete and misleading personal data. Under the FCRA, I am entitled to dispute any inaccurate or unverifiable information and have it properly investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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 glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Caine & Weiner is reporting a collection account that is inaccurate and unverifiable. I contacted the company requesting validation of the alleged debt, including documentation from the original creditor, itemized statements, dates of delinquency, and proof the account was legally assigned or placed with them. They did not provide validation as required under FCRA 623 and FDCPA standards for accurate reporting.

The account is being reported as Placed for Collection, but the furnisher has not supplied any documentation supporting the balance, dates, or the legal right to furnish this information. The information on my credit report is incomplete, inconsistent, and unsupported. The furnisher failed to validate the debt, failed to prove accuracy, and continues to report the information to XXXX, XXXXXXXX and XXXX  despite lacking verification. 

This violates FCRA 623 ( a ) ( 1 ) ( A ) regarding accuracy, and 623 ( a ) ( 8 ) regarding their duty to investigate disputed information.

I am requesting the CFPBs assistance because the furnisher did not conduct a reasonable investigation and did not provide validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX received notification of dispute being resolved on Experians website. Experians resolution did not solve or remove the inaccurate information from my credit record. I am requesting a copy of the Automated Credit Dispute Verification ( ACDV ) for my complaint.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Diversified Adjusted Service is trying to collect a debt from me that I do not owe despite having told the company that I do not owe the debt. The company keeps sending me emails and threats of ruining my credit.

I would be grateful Consumer Financial Protection Bureau if you would take action to prevent this abuse and to get the debt collection agency to put into writing that I do not owe this amount. I do not owe the debt they are trying to collect from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
On Monday, XX/XX/XXXX, I initiated XXXX international transfers from XXXX to my personal accounts at Bank of America. The first transfer was for {$2000.00} and the second for {$3000.00}. Both transfers were frozen due to an unfounded allegation that I had made a donation to XXXX. This accusation is entirely baseless, and as a result, the transfers were not completed as intended. 

The {$2000.00} transfer was eventually returned to my bank in XXXX. However, the {$3000.00} transfer has neither been returned nor credited to my account as of today, XX/XX/2025, even after the freeze was lifted. 

Earlier today, I visited a Bank of America branch, but the manager informed me that there was nothing she could do and claimed that the funds were not in the banks possession. She also made no effort to contact the responsible department. This lack of support and unwillingness to assist a customer is unacceptable. 

I have financial commitments and bills that I must pay, and due to XXXX clear errors made by the bank, I am currently unable to meet these obligations. First, my account was frozen based on an unreasonable justification, and now I am not being provided with any explanation regarding the location of my {$3000.00}. 

I request immediate clarification, a formal investigation, and the urgent release or return of my funds. Please treat this matter as a priority.

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 2025-11-14 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
This complaint concerns the inaccurate and illegal reporting of a collection account by Credence Resource Management. 
Original Debt History : The original debt is allegedly from XXXX ( formerly XXXX ) for services I ceased using in XX/XX/XXXX. I formally notified XXXX of my cancellation and switched providers at that time. 
Inaccurate Reporting : Credence Resource Management is reporting this account with an Estimated month and year this item will be removed as XX/XX/XXXX. This date is impossible and constitutes illegal debt re-aging, which is a severe violation of the Fair Credit Reporting Act ( FCRA ). The XXXX legal reporting limit requires this item 's Date of First Delinquency ( DOFD ) to be no later than late XXXX to justify a XXXX removal. 
Proof of Timeline : I have definitive documentation proving that I was installed and receiving internet and Wi-Fi services from a different provider ( XXXX  XXXX XXXX ) on XX/XX/XXXX. It is factually impossible for the Date of First Delinquency to be in late XXXX or XXXX, as I was no longer an XXXX customer. This debt is much older and is being illegally extended on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I SENT IN LETTERS THEY LEGALLY DID not RESPOND and also i called and talk to a representative and they said that it was confirmed that these account were up for deletion but have not removed them .. can you all please block and remove this from my report immediately I am apart of XXXX duty

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 2025-11-14 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: CA

Complaint narrative:
I SENT IN LETTERS THEY LEGALLY DID not RESPOND and also i called and talk to a representative and they said that it was confirmed that these account were up for deletion but have not removed them .. can you all please block and remove this from my report immediately I am apart of XXXX duty

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 am submitting a complaint for the inaccurate reporting of late payments on XXXX different accounts. These late payments are being reported incorrectly, inconsistently, or without proper verification. This violates multiple sections of the Fair Credit Reporting Act and other consumer protection laws. I request a full investigation and removal of any late payments that can not be verified according to Federal law. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states that I have the right to privacy in the reporting of my information.

Under 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my consumer report or account information without my written instructions or permissible purpose. Any information supplied without proper authorization is a violation.

Under 15 USCS 1666b, a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late unless : The payment was received after the payment due date and time ; and The due date was clearly disclosed with a reasonable amount of time for delivery. 
If these conditions were not met or if the creditor can not produce documented proof the late payment is invalid and must be removed. 

XXXX. Creditor : XXXX Account Number ( Last XXXX ) : XXXX  Months Showing Incorrect Late Payments : XX/XX/XXXX XXXX. Creditor : XXXX XXXX Account Number ( Last XXXX ) : XXXX Months Showing Incorrect Late Payments : XX/XX/XXXX XX/XX/XXXX XXXX. Creditor : XXXX XXXX  Account Number ( Last XXXX ) : XXXX  Months Showing Incorrect Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Creditor : XXXX Account Number ( Last XXXX ) : XXXX Months Showing Incorrect Late Payments : XX/XX/XXXX Issues Noted : CO ( incorrect as well showing the year before, when a year of payments made afterwards ) all around inaccurate. 
I request that the CFPB require the furnisher ( XXXX ) and the credit bureaus to : Conduct a reasonable investigation into each late payment month listed Provide documented proof showing : Actual payment posting date Actual due date Whether payment was received before cutoff time Properly issued billing statements Correct or delete any late payments that are inaccurate or unverifiable If the creditor can not prove the accuracy of each late payment in accordance with 15 USC 1681, 15 USC 1681b, and 15 USCS 1666b, the information must be removed. 
I certify the information in this complaint is true and accurate to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX PST. I used tap tap send app to transfer {$1300.00} to XXXX XXXX account in XXXX bank in XXXX. The transfer was not immediate due to the large amount. The transfer was taking long and it was an urgent transfer. At XXXXXXXX XXXX PST, I called customer support to see the progress of transfer and if it is possible to cancel the transfer. The customer support told me that the transfer could get there in a few minutes and because the transfer has been sent to XXXX and is in process that they can not cancel the transaction. However, I later found out from the company website that XXXX customers have the right that you are able to cancel the transaction/transfer as long as it is within the XXXX min time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing this second complaint because PayPals response to my first CFPB complaint XXXX was incomplete, misleading, and did not address key issues. Their explanation contradicts what actually happened with my account. 

PayPal stated that my attempts to withdraw the XXXX XXXX were blocked due to security concerns such as unusual locations and unusually large transactions. None of this is accurate. I did not log in from unexpected locations, and the amount I attempted to transfer was extremely small and consistent with the size of the XXXX distribution. This explanation does not match reality. 

Additionally, PayPals response claimed that the funds were restricted by design and that their internal security blocks can not be disabled. However, the system allowed XXXX transfer to go through before blocking me again. This directly contradicts their statement that the security restrictions are permanent and can not be bypassed. It proves their security explanation is arbitrary or incorrect. 

Their response also failed to acknowledge that this XXXX was not purchased through PayPal, but was sent to me as part of a legal bankruptcy settlement. PayPal is restricting access to property I legally own, and their explanation does not address why they are blocking withdrawals of settlement assets that I did not buy through them. 

The companys response introduced new inconsistencies and failed to provide a path to resolve the issue. This second complaint is to address the misleading or incorrect information provided by PayPal and to request proper oversight of their internal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
I am submitting this dispute regarding a hard inquiry from XXXXXXXX XXXX that is appearing on my credit file. I am also requesting that this dispute be handled in accordance with CFPB guidelines, FCRA requirements, and Metro 2 Compliance Reporting Standards. This inquiry is not mine, and I never granted any authorization for XXXXXXXX XXXX or anyone acting on their behalf to access my credit report.

1. FCRA 604 No Permissible Purpose Under 15 U.S. Code 1681b ( FCRA 604 ), a creditor must have a permissible purpose to access a consumers credit file.I did not apply for credit with XXXXXXXX XXXX .

I did not authorize a credit pull. I did not provide written, verbal, or electronic consent.

Because no permissible purpose exists, this inquiry is unlawful and must be removed.

2. FCRA 611 Duty to Investigate I am requesting an investigation as required by FCRA 611.

Company response to consumer: Closed with explanation