vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Extra names or alias on my reports with addresses that doesn't belong to me.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-02 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: NC

Complaint narrative:
I am disputing inaccurate credit reporting from XXXX XXXX and TransUnion. My XXXX XXXX account was closed on XX/XX/XXXX. However, it continues to be reported as In Collections/Charge-Off and as recently updated in XX/XX/XXXX. This is false and misleading. 

I have disputed this information with TransUnion, but they failed to correct it. Reporting a closed account as active or charged off violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ).

I request that the CFPB investigate both companies and require them to delete or accurately update this account to reflect the closed status as of XX/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 non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
b'PER Fair credit reporting the company never provide 1099c,  15 US code 1692c,  15 US Code  1601,15 Us Code  1666b  thus ask for immediate  removal of account per bureau.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I am questioning the balance on my account because I paid this card off in XX/XX/year> and I have not charged this card up 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 2025-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Improper Sale of Debt and Unauthorized Exposure of Personal Information To Whom It May Concern, I am submitting this complaint to report improper handling of my personal and financial information by XXXX XXXX and a subsequent debt collection agency. 

XXXX XXXX sold my debt, which I believe should have already been fully resolved due to a prior settlement agreement, gap insurance, and warranties related to my vehicle account. Despite this, my information was apparently transferred or sold to a third-party debt collector. 

Recently, I discovered that this debt collector exposed my private information online without my knowledge or consent. I was never notified that my personal dataincluding my name and addresseswould be shared publicly or posted on any data exposure site. This appears to be a serious violation of my privacy rights and may also constitute a breach of the Fair Debt Collection Practices Act ( FDCPA ) and Georgias data protection requirements. 

I am requesting that your office investigate : 1. Whether XXXX XXXX improperly sold or transferred my debt after it had been settled ; 2. Whether the debt collector violated federal or state laws by disclosing or exposing my personal information online without authorization ; and XXXX. Whether I am entitled to any remedies or further protections under applicable laws. 

Please contact me if additional details or documentation are needed. I would appreciate written confirmation that my complaint has been received and that this matter is being reviewed. 

Thank you for your time and assistance in protecting my consumer and privacy rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WI

Complaint narrative:
Jefferson capital system llc amount {$2500.00} action i made is disputing it it's not mine it identify the

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

I am stressed out because this company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CFPB COMPLAINT SUMMARY JPMCB AUTO FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( POST-VERIFICATION STAGE ) This complaint is filed against JPMCB Auto ( Chase ) following a prior CFPB complaint against XXXX  concerning the same tradeline. 
XXXX  reported that JPMCB Auto verified the account as accurate, despite the data being factually inconsistent and contradictory. 
This establishes that JPMCB Auto failed to conduct a reasonable investigation after receiving notice of dispute from XXXX, in violation of federal law. 

Account : JPMCB AUTO XXXX XXXX XXXX XXXX / Profit and Loss Write-Off Reported Balance : {$32000.00} Highest Balance : {$12000.00} Date Opened : XX/XX/XXXX ( XXXX term ) Last Payment : XX/XX/XXXX Date Updated : XX/XX/XXXX Alleged Violations : XXXX. JPMCB Auto violated 15 U.S.C. 1681s-2 ( b ) by failing to conduct a reasonable investigation of disputed information after receiving notice of the dispute from XXXX. 
The account continues to display inconsistent data : a charge-off and profit/loss write-off, no late payments ( XXXX ), and an inflated balance that exceeds the historical maximum. 
Such contradictions demonstrate the investigation was superficial or automated. 

XXXX. JPMCB Auto violated CFPB XXXX XXXX XXXX, which requires furnishers to review all relevant information, correct or delete unverifiable information, and maintain data integrity. The continued reporting of an internally inconsistent tradeline indicates non-compliance with these obligations. 

XXXX. The account appears to have been unlawfully re-aged, as it was last active in XXXX but continues to update through XXXX, contrary to 15 U.S.C. 1681e ( b ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. JPMCB XXXX conduct also supports a finding of willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. 
By verifying false data after notice, JPMCB Auto knowingly perpetuated inaccurate reporting to the detriment of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I opened a fraud claim with bank of america for charges on my debit card through online transactions I did not approve of. I recently called customer support & inquired about the provisional credit for $ XXXX from the claim. I was told that my claim did not qualify for provisional credits so I would receive any reimbursement until the claim was finalized in 60-90 days. I brought up " Rule E '' & read what it said, in regards to provisional credits, & she said that that's not their policy & that credit is based on a case by case basis. I informed that I was a federal requirement & she once again said that it's not their policy. This is the third time I've filed a complaint against Bank of America for disregarding the rules put in place to regulate the financial industry & protect consumers.

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 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is reporting a collection allegedly from XXXX XXXX, but there is no original XXXX XXXX  charge-off or closed account showing on my credit report. The only XXXX XXXX  account I have is open and in good standing. I requested validation from Midland, but they did not provide proper documentation. Reporting a collection without an associated charge-off account is inaccurate and incomplete under the Fair Credit Reporting Act ( 623 ( a ) ( 1 ) ( A ), 607 ( b ) ). I disputed this through XXXX XXXX and directly with Midland, but it remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MI

Complaint narrative:
I had an XXXX account through health equity. My company switched to optum, so I requested a transfer of my XXXX funds from health equity to optum in XX/XX/year>. Health equity confirmed the money sent to optum on XX/XX/year>. I never received anything from optum to set up a new login or account with them. I tried looking up my information to register and optum is saying they can not find any records with my information. Its been months and I still can not get any information as to where the money from my XXXX has gone. 
I have the receipts and transaction information from healthy equity saying they sent the money. 

I just need to know where my XXXX money went and how I can access it, and optum will not give me any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2025, I placed a XXXX XXXX XXXX XXXX sell order through Cash App ( Block, Inc. ). The platform canceled the order, but the value of approximately {$20.00} was never returned to my XXXX balance or credited to my USD balance. 

Between XX/XX/XXXX and XX/XX/2025, I contacted Cash App support multiple times asking for ( XXXX ) confirmation of the cancellation, ( XXXX ) a full transaction-ledger trace, and ( XXXX ) an explanation of where the funds were held. The company repeatedly acknowledged receipt of my inquiries but failed to reconcile or refund the missing amount. 

I documented all interactions and issued written deadlines through both the Consumer Financial Protection Bureau and the North Carolina Attorney Generals Consumer Protection Division. The company missed both deadlines, providing no resolution or adequate explanation. 

I am requesting immediate reconciliation of the missing funds, a written statement describing the ledger error that caused the discrepancy, and reimbursement for documented time and costs related to my investigation and escalation. I'm also finding an issue with uploads in your portal and will emailing my supporting docs XXXX XXXX XXXX Gmail - Final Reminder Before Deadline Reconcile Missing XXXX Untitled XXXX These files are available upon request and were previously submitted to Block Inc. and the North Carolina Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was trying to transfer my points to XXXX XXXX XXXX but whenever i try to do so i have an error message of " The information you have entered is not valid for XXXX. Please confirm your name and membership ID match your XXXX account and try again. '' I needed to purchase a ticket for business class today and its in promotion and i contacted Capital One costumer service to help me with this issue and they end up saying that it will take about 10 business days to result it and i need to purchase this ticket today and they told me they cant do anything about it at this moment and tat is a failier of providing my wy service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
YOUR COMPLAINT VALIDATION AND CEASE AND DESIST Collection agency name : CAINE & WEINER Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Dear CAINE & WEINER : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Beginning XX/XX/year>, my debit card linked to my Chime ( Stride Bank ) account began being charged by XXXX XXXX XXXX XXXX in XXXX, New XXXX location I have never visited. I live and work in Arizona and have never been to New Jersey. 
The charges were : XX/XX/year> {$45.00} ( card ending XXXX ) XX/XX/year> {$45.00} ( card ending XXXX ) XX/XX/year> {$45.00} ( card ending XXXX ) XXXX : {$130.00} I filed multiple disputes with Chime, providing proof of my Arizona residency, work schedule, and my XXXXXXXX XXXX membership. Despite this, Chime closed my claims repeatedly, stating no billing error occurred, without providing any merchant evidence or explanation. 
I contacted the merchant ( XXXX XXXX, NJ ) directly. The manager insisted I must have been there and repeatedly demanded my card number even after I stated I had never been in their store. XXXX XXXX has not responded, and Chime has repeatedly closed my claim without allowing me to submit additional evidence despite clear documentation showing I could not have made those transactions. 
I am requesting that XXXXXXXX XXXX  conduct a proper Regulation E XXXX investigation, obtain and share the merchant response package ( including any receipts, authorisation records, or device/location data ), and issue a refund for the unauthorised {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My account with USAA was restricted due to a negative balance on XX/XX/XXXX, we tried to speak to them about it with no cooperation of their end getting a person to speak with. My husbands VA XXXX check was deposited on XX/XX/XXXX and fixed the negative balance, there is now a remaining balance of almost {$3200.00} that USAA refuses to give back to us and will not lift the restriction on the account. They said that it is their right to keep the money. We owe them no more money, and that remaining money is our rent payment. My husbands VA XXXX check is our main source of income and we need that to be able to pay our bills. I have never heard of a bank withholding someones money from them and it feels very illegal.

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am reporting multiple fraudulent credit accounts and inquiries that were opened using my personal information without my knowledge or authorization. I am a victim of identity theft. 

Between XXXX and XXXX, several accounts were opened under my name that I did not apply for or use : Capital One : Credit card opened XX/XX/XXXX with a {$200.00} limit, closed XX/XX/XXXX. 

Credit card opened XXXX XXXX, XXXX with a {$800.00} limit, charged off with a {$1000.00} balance, and closed XX/XX/XXXX. 


XXXX XXXXXXXX XXXX XXXX  : Secured loan opened XX/XX/XXXX for {$520.00}, closed XX/XX/XXXX. 

Secured credit card opened XX/XX/XXXX with a {$250.00} limit, charged off with a {$140.00} balance, and closed XX/XX/XXXX. 


XXXX : Charge account opened XX/XX/XXXX with a {$2500.00} limit, charged off with a {$210.00} balance, closed XX/XX/XXXX. 

XXXX XXXX XXXX : Secured loan opened XX/XX/XXXX for {$980.00}, closed XX/XX/XXXX. 

XXXX XXXX XXXX : Unsecured loan opened XX/XX/XXXX for {$300.00}, closed XX/XX/XXXX, showing a {$350.00} balance and derogatory marks. 

XXXX : Partly secured loan opened XX/XX/XXXX for {$1000.00}, closed XX/XX/XXXX, listed as paid after charge-off. 


Additionally, there are multiple unauthorized hard inquiries from XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX ) and XXXX XXXX  ( XX/XX/XXXX ). I did not apply for any credit with these lenders. 

I did not authorize or benefit from any of these accounts, loans, or inquiries. These fraudulent accounts and their associated late payments, charge-offs, and inquiries have caused serious harm to my credit history.

Company response to consumer: Closed with explanation