vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan chase has contacted with a collection " offer '' inside my Chase online banking app to collect on a debt that they show paid on all XXXX of my credit reports AFTER my first dispute was entered at CFPB. 

CLEAR CFPB Rule Violation I am in good faith trying to CURE this dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Payward Ventures Inc. dba Kraken
State: IL

Complaint narrative:
My Kraken account was closed a month ago with {$24000.00} of my funds still inside. I have reached out to Kraken support through XXXX and email multiple times to get resolution to my issue but nothing has been done about it. My Bills are due and I cant XXXX for myself because I dont have access to my money.

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 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
We applied for a line of credit in XXXX at your bank. First, things we going OK but than it became more complicated because of their peoples. Let 's say because of their respect for us. They were asking documents over and over again but they complain that we didn't send it. I proved them you sent them once but it started again the same story.... another documents they need it and even if we send it and also I called them to let them know that we sent it their email was coming like nothing was happening. Since 3 days I'm leaving messages on their answering machine and nothing no calls from them. This looks unprofessional. This is the second time I complain and I asked to work with someone else but nothing was done after my first complain. 
Those persons that we worked until now are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX finally called me and he hang up on me when I told him to send me a letter telling us that our loan is denied because we refuse to give him information about lawsuits between my husband and two of his patients ( my husband is a doctor ) that happened more than 10 years ago. My husband wrote a letter telling them that those lawsuits never ever affect our personal finances but also because of doctor-patient confidentiality law he can disclose anything. We have 8 properties and we never ever been ask about those lawsuits when we bought those properties. They told us that is a requirement from XXXX XXXX and XXXX XXXX and I askes them that is unsually because I nebver heard about those requiremnets ever before in my life, after the boss called me and he said that is not the requirement of XXXX XXXX and XXXX XXXX is their reqiurement and I told them that they should present me a letter from a judge.... they can't. 
This is not the way a bank should speak and lied to their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am writing to formally dispute the reporting of the account listed below. 
* Creditor Name : XXXX XXXX * Account Number : I am writing to formally dispute the reporting of the account listed below. 
* Creditor Name : XXXX XXXX * Account Number : XXXX * Reason for Dispute : This account has been previously found inaccurate/unverifiable and was deleted by XXXX. 
Per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information that is complete, accurate, and verifiable. Since XXXX has already deleted this account, it demonstrates the information could not be verified. Reporting this account on your file creates an inconsistency across consumer reporting agencies and misrepresents my credit history. 
* I am attaching documentation confirming XXXX deletion. Please conduct a reinvestigation as required under XXXX XXXX and delete this account from my file. If you verify the account, I request a full Method of Verification including the name of the person contacted, their contact information, and the documents relied upon in the verification process. 
* Reason for Dispute : This account has been previously found inaccurate/unverifiable and was deleted by XXXX. 
Per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information that is complete, accurate, and verifiable. Since XXXX has already deleted this account, it demonstrates the information could not be verified. Reporting this account on your file creates an inconsistency across consumer reporting agencies and misrepresents my credit history. 
I am attaching documentation confirming XXXX deletion. Please conduct a reinvestigation as required under FCRA 611, and delete this account from my file. If you verify the account, I request a full Method of Verification including the name of the person contacted, their contact information, and the documents relied upon in the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing to formally dispute the reporting of the account listed below. 
* Creditor Name : XXXX XXXX * Account Number : I am writing to formally dispute the reporting of the account listed below. 
* Creditor Name : XXXX XXXX * Account Number : XXXX * Reason for Dispute : This account has been previously found inaccurate/unverifiable and was deleted by XXXX. 
Per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information that is complete, accurate, and verifiable. Since XXXX has already deleted this account, it demonstrates the information could not be verified. Reporting this account on your file creates an inconsistency across consumer reporting agencies and misrepresents my credit history. 
* I am attaching documentation confirming XXXX deletion. Please conduct a reinvestigation as required under XXXX XXXX and delete this account from my file. If you verify the account, I request a full Method of Verification including the name of the person contacted, their contact information, and the documents relied upon in the verification process. 
* Reason for Dispute : This account has been previously found inaccurate/unverifiable and was deleted by XXXX. 
Per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information that is complete, accurate, and verifiable. Since XXXX has already deleted this account, it demonstrates the information could not be verified. Reporting this account on your file creates an inconsistency across consumer reporting agencies and misrepresents my credit history. 
I am attaching documentation confirming XXXX deletion. Please conduct a reinvestigation as required under FCRA 611, and delete this account from my file. If you verify the account, I request a full Method of Verification including the name of the person contacted, their contact information, and the documents relied upon in the verification process.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I initiated a domestic ACH transfer of {$5000.00} from my XXXX account to my Capital One account. Unfortunately, I mistakenly entered the wrong recipient account number ( entered XXXX instead of the correct XXXX ). The transfer was processed with XXXX ID XXXX. 

After realizing the error, I immediately contacted both XXXX and Capital One. XXXX advised that in order to attempt recovery of the funds, they would send a Letter of XXXX  ( LOI ) and XXXX XXXX Letter ( HHL ) to Capital One, requesting return of the funds. 

On XX/XX/XXXX, XXXX confirmed to me in writing that they had already sent the XXXX to Capital One at XXXX. 

On XX/XX/XXXX, XXXX further informed me that Capital One had responded to their XXXX request and declined, citing that no funds remain from the transaction identified in the XXXX. 

This proves that Capital One did receive SoFis XXXX  and XXXX request, and even issued a written response back to XXXX. 

However, in XXXX XXXX responses to both me and the CFPB, they repeatedly claim that they have not received any LOI from XXXX, and keep instructing me to ask XXXX to resend the LOI. 

This is a direct contradiction : XXXX has written proof they sent the LOI on XX/XX/XXXX. 

XXXX has written proof that Capital One replied to them on XX/XX/XXXX, denying the request because funds were not available. 

Yet Capital One continues to deny ever receiving the XXXX  in their official CFPB responses. 

This contradictory behavior is preventing resolution of my case and blocking me from recovering my {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-16 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am unable to access my Experian account do to the wrong number being associated with the account. Please either delete the account so i can start a new one or assist with getting me into my original account. My new number is 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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX from Chase Bank called at XXXX pm today XX/XX/16 stating a credit card was open with Chase Bank in my name- {$7500.00} limit from XXXX TX, by XXXX XXXX. He said the legal ID # is XXXX. 
I hung up when he wanted to transfer me to some number to continue resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
According to XXXX USC XXXX You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. 
Delete account immediately for violating XXXX USC XXXX XXXX. 

Accounts attached

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
The auto loan with Driveway Finance was charged off and sold more than 3 years ago. Despite no longer owning the debt, Driveway Finance remains listed as lienholder on the Texas XXXX vehicle title. 
I have repeatedly requested that Driveway Finance issue either a Lien Release or a Letter of No Interest, since they no longer have any financial or security interest in the vehicle. They have refused to do so unless I pay the balance of the debt, even though the account was charged off and sold years ago and also wrote off on their taxes Because Driveway Finance continues to be listed as lienholder even though they no longer have rights to the account, I am unable to clear the title through XXXX. 

I am requesting that Driveway Finance be required to issue a Lien Release or Letter of No Interest to remove themselves as lienholder

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XX/XX/XXXX ~ XXXX entered into XXXX XXXX to purchase an automobile XXXX XXXX XXXX x XXXX Blue sticker number VIN # : XXXX However during the negotiation after the test ride THE PRICE DISPLAYED AND/OR ADVERTISED FOR THE Hydro Blue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INDICATED {$51000.00} XXXX PESO ACCORDING TO XXXX ISO CURRENCY CODES XXXX XXXX XXXX Dealership DID NOT SPECIFY WHAT CURRENCY TO PAY IN ACCORDING TO XXXX ISO CURRENCY CODES The dealer requested XXXX XXXX AND XXXX XXXX social security XXXX to XXXX XXXX XXXX XXXX THE SALESMAN XXXX XXXX PROVIDED PHONE NUMBER XXXX FOR XXXX PARTIES TO CALL THE COMPANY XXXX XXXX XXXX Dealership REPRESENTED SANTANDER CONSUMER USA XXXX REPRESENTATIVE XXXX XXXX XXXX XXXX WAS GIVEN CREDIT REFERENCE NUMBER XXXX FOR NEGOTIABLE INSTRUMENT REPRESENTATIVE XXXX FOR Santander Consumer USA REQUESTED FOR XXXX XXXX XXXX XXXX NUMBER CREATING A CONSUMER CREDIT TRANSACTION FOR VERFICATION AFTER HOURS AND A FEW HOURS OF WAITING AT THE DEALERSHIP XXXX XXXX XXXX Located at XXXX XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX THE REPRESENTATIVE INFORMED XXXX XXXX TO CALL EXPERION TO UPDATE THE INFORMATION ABOUT THE PHONE NUMBER AND ADDRESS. 
XXXX XXXX and XXXX XXXX XXXX THE DEALERSHIP WITH NO PROPERTY 2025 XXXX XXXX OR PROCEEDS FROM THE CONSUMER CREDIT TRANSACTION XXXX XXXX FELT UNEASE AND REDIAL THE PHONE NUMBER PROVIDED BY SALESMAN XXXX XXXX AND THE REPRESENTIVE FROM THE FINACIAL INSITUTION Santander Consumer USA WOULD NOT PROVIDE THE LOAN AMOUNT XXXX XXXX REQUEST THE DEALERSHIP FOR THE LOAN AMOUNT XXXX XXXX XXXX Sales XXXX XXXX XXXX WOULD NOT PROVIDE THE LOAN AMOUNT XXXX XXXX REQUESTED THE QUESTION WAS ASKED WHO IS PROVIDING THE CREDITS FOR THE 2025 XXXX XXXX XXXX THE REPRESENTIVE INDICATED EXPERION CONTACTED SALESMAN XXXX XXXX AND SALES MANAGER XXXX XXXX CONCERNING THE REASON WHY I DO NOT HAVE PROPERTY AFTER THE CONSUMER CREDIT TRANSACTION AND WHY ARE YOU KEEPING MY CREDITS NO REPLY AND DENIED RECEIVING THE CREDITS AND DENIED PROVIDING THE NEGOTIABLE INSTRUMENT FOR THE XXXX CREDIT TRANSACTION IT WAS FRAUD BY DECEPTION AND IDENTY THEFT I AM SEEKING CRIMINAL CHARGES FOR XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX, North Carolina XXXX, XXXX XXXX XXXX, Sales And Leasing Consultant XXXX XXXX AND ALL XXXX XXXX DOES XXXX with consumer credit transaction, identity theft, fraud by deception and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit reports, I discovered several accounts being reported inaccurately and without proper validation. XXXX XXXX XXXX XXXX is reporting a charged-off account with a {$430.00} balance, but the charge-off dates and past due amounts are inconsistent across bureaus. XXXXXXXX XXXX XXXX is also reporting a charged-off account with a {$120.00} balance, yet the late payment history is inaccurate and unverifiable. XXXX XXXX XXXX is reporting a charged-off account with a {$1100.00} balance and continues to list excessive derogatory months even though prior disputes remain unresolved. 

Continental Finance is reporting a charged-off account that was sold to another lender and reflects a {$0.00} balance, yet it continues to report as derogatory, which is misleading and constitutes double reporting. Additionally, XXXX XXXX XXXX is reporting two separate collection accounts ( {$1300.00} and {$660.00} ) but has provided no proof of ownership, assignment, or chain of custody, making the reporting unverifiable. 

On top of this, Equifax is reporting an unauthorized hard inquiry from XXXX XXXX XXXX ( XX/XX/year> ), which I did not approve. Despite prior disputes, these accounts and inquiries remain on my reports, harming my creditworthiness.

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