vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2025 reviewing my account noticed a withdrawal transaction in the amount {$1200.00} on XX/XX/2025. I called the bank immediately and was told my ATM would be cancelled that same moment, I then requested at what time was transaction done and I was told that at XXXXXXXX XXXX. on XX/XX/2025. They asked me if I had lost my card? I said no I did not I had my card in my possession at all times and that I did not do the withdrawal because I pick up my Grandson from school at XXXX XXXX  so it was impossible for me to have done this specific transaction. I then was told an investigation would be done. On XX/XX/2025. I received a letter from Chase Bank dated XX/XX/2025, ( stated they have done research that I reported on XX/XX/2025 We found that the transaction was processed according to the information you provided. ) If I had any questions I could contact them ( XXXX ) I called them at that number and someone from XXXX answered and I explained the situation to them and I was told that because my PIN was used it was me who did the transaction, so I requested the claims dept # XXXX I called immediately I spoke to XXXX she then transferred me XXXX she said the same thing that because I used my ATM and PIN # it was me who did the transaction. so I decided to do an appeal letter on XX/XX/2025 requesting a reverse denial on claim # XXXX and an appropriate and reasonable investigation. On XX/XX/2025 I received a response from chase dated XX/XX/2025 it was the same exact letter I had received on XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The XXXX account was closed and included in your bankruptcy filing, with the discharge granted in XX/XX/year>. Despite this, XXXX or its related reporting entities continue to report the account on your credit report inaccurately. The account should reflect a XXXX balance, show as included in the bankruptcy, and have no past due amounts or derogatory status after the discharge date. 

Violations Committed : Reporting a discharged debt as active, delinquent, or with a balance after bankruptcy discharge violates 15 U.S.C. 1681e ( b ) under the Fair Credit Reporting Act ( FCRA ).

Failure to update and communicate the bankruptcy discharge status to credit bureaus violating 15 U.S.C. 1681s-2.

Continued negative reporting after discharge contravenes bankruptcy law protections, specifically the permanent injunction against collection or negative reporting of discharged debts.

Failure to conduct a reasonable reinvestigation after consumer disputes as required by 15 U.S.C. 1681i.

Damages caused include credit harm, financial and emotional distress, and loss of credit opportunities.

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 2025-10-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express once again is a problem. The disputes dept never investigates anything and just rejects it. I have had to keep submitting the same proof and they have said they can't identify where my proof came from when you can see it on the tabs and on the emails. They keep doing this with 3 disputes that have been going on for months. They're truly incompetent. They do not look at the proof provided or they would not keep rejecting the dispute. I have the proof that they're not investigating by the fact that they keep rejecting them when they have proof. I can provide the proof for the disputes to corporate that needs to get involved. the customer service is always XXXX and they always mess up my account. I have called into disputes when my card was stolen and i sat on the phone for a long time per usual and she still got it wrong per usual. I hate this company because theres always a problem and i don't have these issues with my other cards that's why. I have decided to stop using this card. They don't protect you at all. They reject everything. They are also giving me issues with a travel insurance which i provided my admitted in the hospital during the trip. I provided the doctors note and everything and they are still rejecting it for months now. They XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Your Capital One account, last reported on XX/XX/XXXX, endured financial hardship due to COVID-related layoff. You settled the account for less than the full balance via your credit unions cashiers check and filed bankruptcy. The account was formally closed on XX/XX/XXXX. Despite this, Capital One or related credit reporting entities continue to list derogatory marks on your credit report inconsistent with the settlement and bankruptcy discharge. 

Violations Committed : Reporting derogatory marks after an account has been settled in full through a valid agreement with proof of payment and related bankruptcy discharge violates the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness ( 15 U.S.C. 1681e ( b ) ).

Failure to accurately report the account status post-settlement and bankruptcy violates the duty to update information ( 15 U.S.C. 1681s-2 ).

Continued presentation of derogatory or adverse status despite protests violates the right to reasonable reinvestigation of disputes under FCRA ( 15 U.S.C. 1681i ).

Misreporting harms your credit score and financial reputation unjustly, potentially leading to denials in credit and financial services. Such reporting after bankruptcy discharge may also
contravene bankruptcy laws protecting discharged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: AR

Complaint narrative:
XXXX Your creditor reported a charge-off after your account was closed. Specifically, the account closed on XX/XX/year>, but the charge-off was reported as late as XX/XX/year>, accompanied by profit and loss write-off remarks. Despite being charged off, the creditor or collector continues collection efforts. 

Violations Under FCRA : Inaccurate Reporting : Creditors must report charge-offs accurately, including the correct date of first delinquency, not later closure dates or charge-off dates. Reporting a charge-off after the account closure date can mislead lenders and harm credit inaccurately. 

Timeliness : Charge-offs can only remain on credit reports for seven years from the date of the first delinquency that led to the charge-off. Reporting beyond this period is a violation. 

Misclassification : Incorrect remarks such as profit and loss write-off if inaccurate or misleading constitute violations. 

Failure to Investigate Disputes : If you dispute the charge-off, FCRA requires the furnisher and bureau to conduct a reasonable investigation and correct errors within XXXX days. Failure to do so violates 15 U.S.C. 1681i. 

Collection on Charged-Off Debts : The Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair or deceptive collection behavior on debts that are invalid or beyond legal collection periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$580.00} DEPT OF EDXXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3800.00} DEPT OF ED/XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2100.00} Account name DEPT OF ED/XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3600.00} Account name DEPT OF ED/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2100.00} Account name XXXX XXXX Account number XXXX Account type Cell Phone Date opened XX/XX/XXXX Balance {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-26 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: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/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 2025-10-26 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$550.00} XXXXXXXX XXXX XXXX XXXXDate Opened XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
On or about XX/XX/year>, I received a debt collection notice from Jefferson Capital Systems , LLC ( JCS ) regarding an alleged account they claim originated with XXXX XXXX XXXX, with Account Number ending in XXXX and JCS Reference Number XXXX. Jefferson Capital alleges I owe {$2400.00}. This is the first communication I have ever received from Jefferson Capital, and I am responding promptly, well within the timeframe indicated in their letter ( XX/XX/year> ). 

I am formally disputing this alleged debt in its entirety and invoking my rights under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Under federal law, once a consumer disputes a debt, the collector must cease all collection efforts and provide strict validation before any further action is taken. 

Jefferson Capital Systems has a well-documented history of initiating aggressive and often improper collection actions, including lawsuits against consumers without sufficient validation. I am therefore demanding complete validationnot a summary or internal account printoutof every element of the alleged obligation. This includes : A copy of the original signed contract or credit agreement bearing my signature, establishing the alleged debt ; A complete account history from the original creditor ( XXXX XXXX XXXX ), including all payments, fees, and interest accrued ; A copy of the original charge-off statement and all documentation showing how Jefferson Capital acquired or purchased the account ; Proof of assignment and chain of title, identifying all prior owners, transferees, or entities that have handled the account ; Evidence that this alleged debt is not time-barred under applicable statute of limitations ; Verification that Jefferson Capital Systems , LLC is licensed to collect debts in the State of Texas, including its state registration and surety bond information.

Until this validation is provided in full, Jefferson Capital Systems must immediately cease all collection activity, including phone calls, letters, or legal action, under 15 U.S.C. 1692g ( b ) and 1692c ( c ). Furthermore, any attempt to furnish this alleged debt to consum
er reporting agencies while it remains unvalidated would constitute a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and subject Jefferson Capital to statutory damages and enforcement penalties.

This alleged balance remains unverified, unsubstantiated, and legally unenforceable. Jefferson Capital has not demonstrated ownership, standing, or the lawful right to collect. I will not be coerced or intimidated into paying any amount absent full compliance with federal validation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief