vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

The account in question is : Nelnet This reporting is inaccurate and misleading because I was an active student and my loans were in in-school deferment/forbearance at the time the alleged late payments were reported. Under federal law and my loan terms, no late payments should have been assessed or reported while I was enrolled at least half-time.

In accordance with the FCRA, I request that you : 1. Conduct a full investigation into this account ; 2. Verify the accuracy of the late payment history ; 3. Remove all inaccurate late payment notations from my credit report ; 4. Provide me with written confirmation of the results.

Attached are copies of documents verifying my enrollment status during the disputed period, including [ list documents : e.g., registrars letter, transcript, or class schedule ].

Please note that if this information can not be verified within 30 days, it must be removed from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Date : XX/XX/year>2025 Portfolio Recovery XXXX Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Request for Account Number Ending in : XXXX Dear Sir or Madam, I am writing to formally request that you immediately cease and desist from all further communication with me regarding the debt associated with account number ending in, XXXX, currently listed under your company, Portfolio Recovery LLC. 

I request that you stop all collection activities, including but not limited to phone calls, emails, written correspondence, and any form of communication regarding this matter. Please note that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease contacting me, and I am exercising that right. 

In addition to this request, I also ask that you provide me with written verification of the debt, including the original creditor 's name, the amount owed, and proof that you have the legal authority to collect on this debt. If I do not receive such verification within 30 days of your receipt of this letter, I expect all collection actions to cease immediately. 

Please note that failure to comply with my request to cease communication may result in filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), your states Attorney Generals office, and/or taking legal action if necessary. 

This letter is being sent in good faith to resolve this matter promptly and amicably. 

I appreciate your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>2025, a teller at a Chase branch store stole {$1200.00} from my cash deposit while I was having a medical emergency. I am a type XXXX XXXX  and was experiencing XXXX XXXX XXXX  at the time, not feeling well. The teller noticed something was wrong, but instead of helping me, she took advantage of my condition and shorted my deposit. 

I tried filing a complaint with Chase immediately after the incident by calling the fraud department, and again on XX/XX/year>2025. Each time I was told that Chase does not investigate anything that happens at a branch and that I must return to the branch where it happened. 

I did return to the branch right after the incident on XX/XX/year>2025, but I was told there was nothing they could do, that I must have lost the money somehow, and to go home to look for it. When I asked to speak with the manager, I was told the same teller who handled my deposit is actually the branch manager.

I believe I was targeted because of my medical condition and race, under the assumption that people in my situation will not report these crimes due to fear of deportation or lack of support. 

I also want to make sure this does not happen to anyone else in the future. It is unacceptable for vulnerable customers to be taken advantage of inside a bank branch, especially by someone in a position of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Urgent Complaint Against Capital One Blocked Credit Card, Excessive Interest, and Denied Rewards My Name : XXXX XXXX Account Number ( last 4 digits ) : XXXX Credit Limit : {$12000.00} Current Balance : {$5400.00} Accrued Interest : {$120.00} Minimum Payment : {$180.00} Rewards Balance : {$130.00} Case Number : XXXX Complaint : I am filing a formal complaint against Capital One regarding my credit card account, which has been unjustly blocked since approximately XX/XX/XXXX 2025. The blockage was supposedly to verify payments made from accounts not in my name, including my husbands and my sons accounts ( my son is not an authorized user ; I used his account with his permission because he also uses my card ). 

Capital One requested that I clarify where payments came from. I immediately provided all requested documentation : Authorization letters from my husband and my son. 
Statements from all cards used to make payments on the account. 
Screenshots of payments made from XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. 

Despite providing everything requested, Capital One has refused to accept XXXX documents, claiming they are insufficient. This is unrealistic, as XXXX does not provide traditional account statements, and it is not within my control to provide something they demand that does not exist. 

Each time I communicate with Capital One, their staff treats me worse, causing extreme XXXX XXXX. I have spent a significant amount of time and effort trying to resolve this situation while complying with all their requests. 

The card blockage has had a serious negative impact on my finances, preventing me from using my rewards, managing bills, and covering essential expenses. Capital One is charging excessive interest, ignoring my credit limit, and unfairly penalizing me despite being a responsible customer who has never missed a payment. 

What I am requesting is that they resolve all the damage they have caused me, including : 1. Immediate unblocking of my credit card.

2. Restoration of my rewards ( {$130.00} ).

3. Reversal or freezing of excessive interest charges accrued during this dispute.

4. Acknowledgment of my responsible payment history and consideration of my current circumstances ( I am currently out of town with XXXX children, XXXX with XXXX XXXX, and XXXX in the XXXX  ). 

If Capital One will not unblock my account, what I want is that they : Freeze my debt, Return my rewards, Refund the interest charges that have been added, and Provide a fair plan to pay off this debt. 

I am not interested in remaining a customer of a company that does not value its clients. I urge CFPB to ensure that Capital One takes these actions because what they have done to me is absurd and unfair. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Against Chime Violation of Regulation E and Mishandling of Dispute To Whom It May Concern : I am filing this complaint regarding Chimes mishandling of my dispute claims and failure to comply with federal consumer protection laws. 

When I initially contacted Chime to dispute several unauthorized transactions, the call disconnected, and not all disputes were entered. I immediately followed up on the same day to add the missing dispute. Despite the fact that these disputes arose under identical circumstances and were reported within the same timeframe, Chime approved only one transaction and denied the rest. 

This decision is contradictory and demonstrates a failure to follow the requirements of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and its implementing Regulation E ( 12 C.F.R. Part 1005 ). Under 1005.11, a financial institution is obligated to : 1. Promptly investigate any alleged error.

2. Complete the investigation within 10 business days ( or 45 days if provisional credit is provided ).

3. Report the results to the consumer in writing and correct the error if one occurred. 



Chime did not comply with these requirements. By approving one transaction and denying others from the same set of disputes, Chime contradicted its own findings and failed to conduct a consistent, good-faith investigation.

Moreover, the disputed transactions clearly occurred at multiple locations within overlapping timeframes. It is physically impossible for me to have conducted these transactions. This evidence should have been sufficient to resolve the disputes in my favor. Instead, Chimes supervisor misrepresented the status of my case, falsely stating that it was pending when it had already been closed, further violating my right to transparency under Regulation E.

Additionally, Chime represents itself as a bank while disclaiming traditional obligations of FDIC-insured institutions. This raises serious compliance concerns under federal consumer financial law, as Chime can not avoid accountability by mischaracterizing its role. 

Chimes actions have caused me direct financial harm and stress. Their refusal to conduct a lawful investigation is a clear violation of federal consumer protection law, and I respectfully request the CFPB to take corrective action. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
Hi, There were no appropriate selections above, so I had to put in irrelevant answers. Here is my problem. XXXX has been calling us for over a year and we do not have and have never has an account with them. I have explained this more than once. I have blocked their number, but that results in a robo call to my cell phone. Obviously I want this to stop. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MI

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-08-18 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
I ordered a resume service through PayPal on XX/XX/year>. The company, XXXX, agreed to create my resume for {$130.00} and have it back to me by XXXX XXXX, 2025. XXXX emailed me on XX/XX/year>2025, stating they needed more time and additional funds. They deceptively said the new price would be {$210.00}. They emailed me again on XX/XX/scrub> 2025, and said they needed more time and would deliver the resume on XX/XX/scrub> 2025. I was not satisfied with the answer, so I cancelled the service and notified XXXX of my decision. After notifying PayPal, I received an email from XXXX stating that they could now have my resume ready. I did not communicate with XXXX again because I had notified PayPal of the infraction. PayPal denied my request for a refund. I sent them another letter today requesting a refund, explaining that they were deducting money from my account to pay XXXX for a service I never received and still have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX financial Byte. Signed a purchase agreement agreement with my minor daughter using her name. But my social security number and birth date. I was unaware for over a year. I then tried to prove to company that it was not mine. I hired XXXX XXXX XXXX to take care of the issue. The XXXX XXXX. Reported it back on my credit a second time. I then settled the bill that was not mine to have it removed from my credit. But its still there and I am not getting help from XXXX XXXX XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: OK

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

1681c2 ) that you, the Equifax 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 XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MD

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

1681c2 ) that you, the Experian 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  - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXXK - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$14000.00XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX - Account Number : XXXX XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-08-18 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 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 : XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
On XX/XX/year>2025, I received an Adverse Action Notice from XXXX XXXX denying me credit due to inaccurate information furnished by XXXX  and LexisNexis. The denial letter ( attached ) cites too many addresses and too many phone numbers on alternative credit file, along with other unverifiable data. These inaccuracies have been disputed multiple times, yet both companies continue to report duplicate, outdated, and excessive information, directly causing me financial harm and credit denials.

Company response to consumer: Closed with explanation