vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  and their mishandling of fraud on my XXXX XXXX credit card account. Despite repeated reports of fraud and requests to close or freeze my account, XXXX  has failed to take appropriate action. As a result, I have been subjected to ongoing financial harm and significant emotional distress. 
Background and XXXX XXXX In XX/XX/XXXX, I was the victim of XXXX burglaries by the same individual. He was later convicted, and I possess the police reports and case numbers documenting these crimes. 
During these burglaries, the criminal obtained access to my credit cards, including my XXXX XXXX XXXXXXXX  account. 
In XX/XX/XXXX, I reported the fraudulent activity to XXXX XXXX and explicitly requested that my account be closed and my card permanently frozen. 
Despite my repeated instructions, every time I contacted XXXX fraud department, they simply issued me a new replacement card instead of closing or freezing the account as I requested. 
Ongoing Financial Harm Because XXXX  has failed to close or freeze the account, fraudulent charges have continued to accrue. My balance has now reached nearly {$20000.00}, and XXXX  is adding approximately {$1000.00} in interest charges every month. This has created severe financial hardship, in addition to the stress caused by being a victim of repeated fraud. 
Supporting Evidence I have attached copies of the relevant police reports and case numbers from the burglaries, as well as documentation of my communications with XXXX XXXX XXXX department. These clearly demonstrate that I have made multiple requests for the account to be closed, which XXXX  has ignored. 
Requested Resolution I respectfully request the XXXX XXXX XXXX XXXX assistance in ensuring that XXXX  XXXX  : XXXX. Permanently closes my XXXX XXXX XXXXXXXX  account that was compromised. 
XXXX. Removes all fraudulent charges from my account. 
XXXX. Reverses any interest or fees that have been added as a result of the fraudulent activity. 
XXXX. Provides written confirmation that my account is fully resolved and that I will not be held liable for fraudulent debt. 

In addition, this criminal is asking the court to modify his sentence, so I am subpoenaed back to court on XXXX, XX/XX/XXXX. 
Thank you for your attention to this matter. I deeply appreciate the CFPBs help in holding XXXX  accountable for their failure to properly address this ongoing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I started to receive calls from XXXX and text starting XX/XX/year> from a company name Spring Oaks Capital , LLC regarding XXXX XXXX XXXX XXXXi for XXXX XXXX XXXX card however I do not have any cards with XXXX XXXX and do not know reference bank. 
Text provided options to settle a debt do not owe. 
What kind of payment plan do you need? Create that plan here XXXX? XXXX or text back and let us know what you can do. 

This message is from Spring Oaks Capital , LLC and is related to your XXXX XXXXXXXX XXXX account, originated by TXXXX XXXX XXXX XXXX now owned by Spring Oaks Capital SPV , LLC. 

Click here for important disclosures https : XXXX. Reply XXXX to opt out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Fraud on my 2 bank accounts held at Wells Fargo in the amount of {$20000.00}. My account was hacked and I was coerced by " a Wells Fargo reresentative '' from the fraud department to follow instructions. They told me someone inside the bank hacked my account and wire transfered money to someone, so they caught it and put it back into my account, but I needed to follow their instruction on recovering my money. After everything was done I realized I was scammed and contacted the fraud department and filed a claim. I gave the man 's name and phone #, but they closed my claim, although they located the IP address of the scammed. They never gave me anymore information nor my money back. Because i withdrew the money like i was instructed to, they closed my case., i was coerced and threatened that if i didnt do what they said, that all of my accounts would be drained. I was made to withdraw what the scammer transferred from my checking acct to my savings and hand it a bank representative at another location. I realized later that i was scammed. There is no protocol to protect consumers from bank hacking. This was my life savings. A police report was also filed. Please help me get my money back. I am a XXXX XXXX patient trying to survive. And after searching online, i found that exactly what happened to me has happened to others. My story goes much deeper than this, just not enough room to write it and I have since closed my accounts. 
Thank you, 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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOCKHART MORRIS and MONTGOMERY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
There are accounts being reported under my name that I did not authorize, open, or manage. This is completely unacceptable, as it misrepresents my financial history and creates a false and misleading credit profile. I take my credit standing very seriously, and the presence of these unauthorized accounts has caused me significant concern and XXXX. I need an immediate explanation as to why these accounts are appearing and clarification on who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: HI

Complaint narrative:
Recieved text from XXXX regarding a debt of {$4900.00} originating from XXXX XXXX XXXX XXXX. I have recieved no prior notice of debt, nor have I ever had any business with XXXX XXXX XXXX XXXX to the best of my knowledge. Please investigate and confirm if this is real. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2025 XXXX XXXX Attn XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Re : Cease and Desist Account # XXXX To Whom It May Concern : I am formally requesting that you cease and desist all collection activities and reporting of inaccurate or unverifiable information concerning the above-referenced account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to request that you immediately stop reporting, communicating, or otherwise pursuing this matter unless and until you can provide full validation of the alleged debt.

Specifically : 1. You must immediately cease reporting this account to any credit bureau until the debt is fully validated.

2. If you can not provide proper documentation that proves the validity of this account, you must request deletion of this tradeline from all consumer reporting agencies.

3. Any further attempt to collect, report, or pursue this account without proper validation will be considered a willful violation of federal law and may result in legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

This letter serves as my official notice. I expect a written response within 30 days of receipt of this demand. Failure to comply will leave me no choice but to pursue all legal remedies available. 


Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: AL

Complaint narrative:
b'WHEN I TRIED TO GET TRANSFERRED TO DISPUTE DEPARTMENT OF XXXXXXXX CALLS KEPT GETTING DROPPED, WAS GIVEN CASE # , XXXX XXXX IN UNAUTHORIZED TRANSACTIONS TO XXXX XXXX XXXX XXXX XXXX QUESTION IS ALSO WHO WOULD BE ABLE TO GET PAYOUT FROM THE XXXX, HOW DID THEY HACK MY CARD, COULDNT UPLOAD IMAGES, BUT CARD # IS XXXX XXXX XXXX XXXX EXPIRATIIN XXXX/XXXX  SECURITY CODE XXXX NEED REFUND TO ORIGINAL BILLING, DON\'T KNOW IF I WANT ANOTHER CARD, SECOND TIME CARD GOT STOLEN FROM THIS WEBSITE.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MS

Complaint narrative:
This is a formal dispute regarding the inaccurate and unauthorized reporting of accounts on my credit file. I did not open or approve these accounts, and I was never informed of their addition. The fact that the information reported varies between the credit bureaus further proves its inaccuracy. This violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires the credit bureaus to ensure maximum accuracy of consumer information.

It also violates 15 U.S.C. 1681i, which obligates credit bureaus to investigate disputed items within 30 days, and 15 U.S.C. 1681g, which entitles consumers to complete and accurate disclosure of their records.

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 2025-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with these accounts listed below, which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit score. Please see the attachment with the list ofnegativeitems.

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 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ XXXX needs an audit. Too many people are complaining about what they are doing for no action to be taken. I filed a legitimate complaint and my issue was not addressed in their response. Instead of telling me they will look into anything i said, they decided to explain to me how well trained their reps are, which means i must have made up my experience. I paid the debt in full ( because i was threatened to do so way earlier than I legally should have ) on XX/XX/year>. I received the paid in full letter on that day. Ordeal over. I moved on w my life. Then CFPB sent me an email asking for a review of their response. Yesterday, I logged in and made my review. Today I received a notification from XXXX  that there has been a negative action taken on my credit. I logged in to see what it was and it was IQ Data XXXX reporting to the bureaus that my debt that has been paid in full is considered in collections. I am filing a new report because this is very obviously retaliatory as the debt was paid in full on XX/XX/year> and should have never been reported in any way to any bureaus at all. They need to be investigated. Ive uploaded the paid in full statement and the notice I received today from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : 2025XXXX XXXX XXXX  Date : 2025XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: KS

Complaint narrative:
I am formally disputing and demanding that you Credit Management Company immediately cease all collection activities and credit reporting regarding the alleged medical debt ( s ) you claim I owe. The accounts you are attempting to collect stem from XXXX XXXX that were already disputed with the original providers and/or my insurance carrier. 
Your continued attempts to collect and report this alleged debt violate : HIPAA Privacy Rule ( 45 C.F.R. 164.502, 164.508, 164.530 ) PHI was disclosed to you without my authorization for debt collection and credit reporting. 
Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) You are furnishing inaccurate, unauthorized medical tradelines to Experian, Equifax, and TransUnion.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) You are attempting to collect without proper validation of the debt and after notice of dispute. 
I have already filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for Civil Rights ( OCR ) against the providers that improperly disclosed my PHI. If you do not cease all collection and delete all reporting of this account, I will pursue litigation in federal court for damages, injunctive relief, attorneys fees, and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MA

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

Company response to consumer: Closed with explanation