vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : URGENT REQUEST FOR RECOVERY OF FUNDS & INVESTIGATION Wire Fraud To Whom It May Concern, My name is XXXX XXXX, a senior citizen and XXXX XXXX XXXX XXXX XXXX  veteran. I urgently request your assistance regarding wire transfer fraud and mishandling by Chase Bank and XXXX XXXX, resulting in the loss of nearly all my funds. 

On XX/XX/year>, I received a call from individuals claiming to be from Chase Banks fraud department. Suspicious, I hung up and contacted Chase using the number on my debit card. I reported the fraud and provided the impersonators namesXXXX and XXXXbut Chase representatives were rude and unhelpful. XXXX fraudulent wires had already been sent that day : - {$9000.00} XX/XX/year> - {$9600.00} XX/XX/year> Both were sent to a XXXX XXXX account under the name XXXX XXXX, whom I do not know. Chase issued a XXXX alert for the first wire on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX but delayed the second until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX enabling the criminals to remove the funds. XXXX XXXX also failed to block the second transfer despite receiving fraud alerts. 

It has now been over XXXX weeks, and despite repeated follow-ups, Chase has closed my case, claiming no funds remain. Both banks actions demonstrate negligence in fraud handling and compliance. 

I request your office urgently investigate : - Chase Banks mishandling and delayed response - XXXX XXXX negligence in allowing the second wire after a fraud alert XXXX XXXX  Additional Information / Documentation : XXXX XXXX XXXX  Names, dates, and phone numbers of all Chase representatives I spoke with - Names and contact info of the impersonators ( XXXX and XXXX ) - Detailed timeline of events - Copies of all correspondence and reference numbers- Proof of identity and account ownership Please confirm receipt of this complaint and initiate rapid investigation to recover my stolen funds. 

Respectfully, XXXX XXXX XXXX XXXX. Veteran | Senior Citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Dear PayPal Support, I am reaching out regarding a recent dispute in which the buyer claimed that they did not receive the baseball cards I sent. I fulfilled the order in good faith and mailed the package through USPS, using proper postage and addressing. Unfortunately, the package was lost in transit.

After learning that the buyer had opened a dispute, I immediately filed a missing mail claim with USPS to attempt recovery. USPS was unable to locate the package, but I can provide documentation of the item before it was sent out. Note that USPS does not provide the buyer or seller with tracking on postage mail, which is what PayPal is requesting.

I understand PayPals policies prioritize buyer protection, but I also took every reasonable step as the seller to ensure delivery and follow through once the issue occurred. The outcome of this dispute feels unfair, as I both lost the item and was charged for the transaction and dispute fee. 

I respectfully request that PayPal review this case again, considering the proof of shipment and USPS claim documentation. I have acted honestly and responsibly throughout this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I negotiated the remaining amount and paid the account with XXXX debt owed with the agreement to remove themself from my credit report. Company agreed to adhere to these terms and conditions. Company issued a XXXX to order to remove debt. The XXXX guarantees the account is now income and no longer a debt. The company has failed to remove the information, causing additional auto loan barriers. This is causing financial hardship to myself and my family for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I DID NOT AUTHORIZE THIS ACCOUNT OR ANY RELATED TRANSACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-10-22 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: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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

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 2025-10-22 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: FL

Complaint narrative:
I contacted the XXXX XXXX XXXX to request assistance and apply for a loan forgiveness or repayment plan. Despite this, my account was reported with late payments, which has negatively impacted my credit score. These late payments are inaccurate because I was actively communicating with the department and seeking a resolution at the time. I am requesting that these late payment entries be reviewed and removed from my credit history as soon as possible, as they are causing significant harm to my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: FL

Complaint narrative:
I contacted the XXXX XXXX XXXX  to request assistance and apply for a loan forgiveness or repayment plan. Despite this, my account was reported with late payments, which has negatively impacted my credit score. These late payments are inaccurate because I was actively communicating with the department and seeking a resolution at the time. I am requesting that these late payment entries be reviewed and removed from my credit history as soon as possible, as they are causing significant harm to my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 am writing this final follow-up regarding the only remaining unauthorized hard inquiry that continues to appear on my credit report. Despite my prior dispute and submission of all necessary documentation, this inquiry remains unresolved and must be removed immediately as it is invalid and unverified. 

The unauthorized inquiry in question is as follows : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I submitted a timely Validation of Debt request tXXXX XXXX XXXX XXXX regarding Account Number : XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * * for the alleged balance of {$1500.00}, {$840.00}, {$3300.00}, {$1200.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Bitstamp USA, Inc.
State: MS

Complaint narrative:
On XX/XX/year> I wired {$24000.00} into my bitstamp USA Inc. Account. After the money was credited into my bitstamp account, i converted it to usdt. When i try withdrawing usdt from my bitstamp account it says i cant withdraw until i call or write them which i did and i was asked to choose a date for video verification which i did I have done the video verification for over XXXX weeks now and i am yet to be able to withdraw my usdt. 

I have sent email numerous time and all they keep saying is that we are working on it I want the issue resolve or they sent back my $ $ back to my bank account

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incarcerated on the dates that they say the accounts were opened and they are still trying to make me pay debt

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
On XX/XX/year>, I submitted a written request to XXXX XXXX XXXX XXXX XXXX for validation of an alleged debt under the Fair Debt Collection Practices Act. I received written replies from XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. In each response, the company stated they were unable to locate any record in our system with the information provided. 

Despite these repeated admissions, Credence has refused to provide written confirmation that no debt exists or that no information will be reported to credit bureaus. Instead, they continue contacting me and asking for personal identifiers rather than providing the validation required by law. 

I am requesting enforcement for violations of 15 U.S.C. 1692g ( b ) and 1692c ( c ) of the FDCPA and 15 U.S.C. 1681s-2 ( b ) of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
RE : ACCOUNT # : XXXX This complaint is being issued in response to a Wage Deduction Notice and Wage Deduction Summons sent by CAVALRY SPV I , LLC attempting to collect payment on an alleged debt obligation in the amount of {$710.00}. This complaint shall serve as a formal refusal to pay the alleged debt amount in accordance with the Fair Debt Collection Practices Act ( FDCPA ) section 15 USC 1692c ( c ), for cause as provided below : 1. Consumer has no knowledge or record of any legally binding contractual agreement or other consensual arrangement with CAVALRY SPV I , LLC obligating payment of the alleged amount.

2. Consumer has no knowledge or record of any Purchase Agreement, Bill of Sale, or Assignment, transferring rights, titles, interest, and ownership of the alleged debt ( promissory note / receivable ) to CAVALRY SPV I , LLC obligating payment of the alleged amount.

CAVALRY SPV I , LLC has engaged in abusive debt collection practices, including the use of false deceptive, and misleading representations in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 15 USC 1692e ( 2 ) ( A ), and the use of unfair or unconscionable means to collect a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 15 USC 1692f ( 1 ). The unlawful collection actions taken by CAVALRY SPV I , LLC has caused an unwarranted burden and significant injury to the consumer including, emotional damage, stress, anxiety, loss of time, embarrassment, humiliation, along with other financial harm such as paying required court filing fees and lowered credit scores due to false and inaccurate credit reporting.

( See Attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Meraki solars went out of bussiness. Neither them or the lender Goodleap informed me of this changes. 
Now I'm stuck with a broken roof that nobody its going g to fix and a XXXX  year loan. 
Please help me! 
I don't want solars anymore because their reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
INQUIRIES 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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I added {$500.00} to XXXX app then added it to XXXX to pay rent as soon as it got added it disappeared and the money is no where to be found and I know it is a XXXX issue not cash app! I called the same day no Anwser I called XX/XX/year> and they said they will see and investigate it but they can't tell me where the money is they only know that they took the money out of my account and I really need my money back to pay my rent! And I called today XX/XX/year> and they keep leaving me on hold and and the hanging up and then they keep charging my card {$500.00} a total of XXXX times! The last transaction I made on XXXX was XX/XX/year> so why do they keep charging and took {$500.00} dollars from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Omnipoint Capital
State: CA

Complaint narrative:
Phone call was received at XXXX AM on XX/XX/year> and voicemail was left at XXXX AM. Have received numerous calls and now calls continue to occur but way early in the morning. Communication with company has occurred requesting frequency and time of calls to be minimized. Company also refuses to work with customer in regards to fixing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation