vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company has no credibility at all. Not only did it close my checking account for no reason, but it also closed my credit card soon. I seriously suspect that they are retaliating against me after I complained, because my credit card account, even my checking account, has never been overdue, and I have been using them well. This company slanders consumers with the account opening agreement every time, saying that the agreement was booked when they applied for an account opening, giving them the right to close their customers ' accounts for no reason, which I can't understand at all. Closing my credit card account will also affect my credit score. I think they are responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
I already disputed this fraud back in XXXX of this year with this company. It was in fact removed from my credit. Now they have placed it with a collection company, Jefferson Capital and it's on my credit as a collection? How is this possible when it was removed cause they had no proof. My mailbox was broken into n stole credit cards that I never received and activated them. Please get this collection off my credit. This is now a problem once again on my credit and an inconvenience of my time. I'm trying to move in 45 days and this is the last thing I need on my credit. This company that put it in collection is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
I sent a identity theft report and the accounts information and proof of identity to equifax transunion and experian and they keep stating its verified and not doing a thorough investigation and providing proof of my signature attaching me to these negative accounts.

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 2025-09-19 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: SC

Complaint narrative:
I sent a identity theft report and the accounts information and proof of identity to equifax transunion and experian and they keep stating its verified and not doing a thorough investigation and providing proof of my signature attaching me to these negative accounts.

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 2025-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>, I received a check for XXXX dollars. This is the debt that a friend owed me. 
XX/XX/year> Account was closed. Both checking and savings accounts. 
Phone call 1 ) : Chase said that it has the authority to close the accounts and the money will be mailed in the form of a check. 
I did wait for the check, but only the checking account 's check came. The savings account 's XXXX was not given. 
Phone call 2 ) : I asked why the XXXX is suspended. 
Chase said that it needed verifications from the person who gave the check to me and the bank ( supposedly XXXX XXXX XXXX XXXX 
Phone call 3 ) : Chase said it can not contact XXXX XXXX XXXX, but the person has been contacted and verified. It said it needed me to tell them the contact information of the XXXX XXXX XXXX 
Phone Call 4 ) : We found XXXX XXXX XXXX XXXX contact info, but Chase still said it needed verifications and called the person once more + ALSO ( allegedly ) contacted XXXX XXXX XXXX which ( allegedly ) made a reply that this person who gave me the check did not have an account in XXXX XXXX XXXX. 
I contacted the person who sent me the check. 1 ) The person did not receive a call from chase. 2 ) The person contacted XXXX XXXX XXXX  and asked them why this was their response. The XXXX XXXX XXXX  replied that THEY HAVE NOT RECEIVED A CALL FROM CHASE. 
XXXX XXXX XXXX XXXXuggested that the four sides ( me, Chase, XXXX XXXX XXXX and the friend ) should call together to solve this problem. We have not received a reply from Chase up until now. 
Because Chase closed my account ( in Chase ), my XXXX account was ALSO closed. XXXX staff said that because they saw Chase post " fraud '' on my account, they also closed my account on their side. 
I had a transfer from my wife to my account ( some thousand dollars ) and it was suspended, and XXXX declared it as fraud and scam. This is insane and absurd. 
The both of these banks resulted in XXXX dollars being frozen and caused difficulties in life. This is totally absurd and I want a reply from both banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
CEASE AND DESIST LETTER XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PO Box XXXX XXXX XXXX MI XXXX RE : Cease and Desist Communication Regarding Alleged Debt Dear XXXX XXXX XXXX XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist from any and all forms of communication with me regarding the alleged debt you claim I owe.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay or that they wish for the debt collector to cease further communication, the collector must not contact the consumer again except to : 1. Advise that further efforts to collect the debt are being terminated. 
2. Notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked.

3. Notify the consumer that the debt collector intends to invoke a specified remedy.

Therefore, you are hereby instructed to stop contacting me by phone, mail, email, or any other form of communication regarding this matter, except as explicitly allowed under the statute. 
Any failure to comply with this request will constitute a direct violation of federal law, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
This letter is not to be construed as an acknowledgment of the alleged debt. I dispute the validity of this debt in its entirety. 
Govern yourself accordingly. 
Sincerely, 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 2025-09-19 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: TX

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should 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 2025-09-19 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: PA

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 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 2025-09-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Sunnova Energy Corporation
State: AZ

Complaint narrative:
The battery on my solar panels were non serviceable back in XX/XX/2025 so I requested for replacement on XXXX batteries. I kept following up with the company with no resolution, what I received instead was them filing for XXXX  XXXX so they cant provide further support on my issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-19 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: NC

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 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 XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} 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 US 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 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I accidentally noticed inside IRS account that I had two 1099-C reported in XXXX by JP MORGAN CHASE about a debt that was charged off in XXXX right before late spouse passed away. Last payment was XX/XX/XXXX. JPMC reported as closing account in XX/XX/XXXX but it was charged off in XXXX or XXXX of XXXX. I alreadt filed IRS tax in XXXX of this year and did not know about these 2 - 1099-C since I never received any paperwork or 1099-C from JP Morgan chase.

I just now filed form 3949 A to report this time barred debt for suspected tax law violations to the IRS. I thought that would be enough but upon reviewing information online, I was encouraged to submit a complaint on her as well. 

XXXX - XXXX {$9900.00} XXXX - XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-19 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: AZ

Complaint narrative:
Even after all this time, these inaccurate accounts are still on my credit reports, and it feels unbearable. I desperately ask that you examine every document I have provided so this nightmare can be over and I can finally find peace of mind.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
XX/XX/year> I received an email for a balance owed in the amount of {$3400.00}. This is a business debt with a personal guarantee. However, there was never any balance due, notification of a debt prior to this so called debt. How can I say this? Because the account with XXXX was a merchant account that was linked to the business checking account. The merchant would deposit funds from the sales into the businesses checking account AFTER deducting all fees as agreed upon in the signed agreement. The business closed in XXXX, 2023. I called XXXX to inform them to cancel the account. At this time I asked if the account had any balances or payoffs that needed to be addressed so it could be included in the bankruptcy of the business. I was told No, the account was linked to the business checking account and all fees were deducted and accounted for. The teller and I exchanged pleasantries and then I hung up the phone. 7 months later I receive an email asking for this debt. I emailed them back requesting an itemized statement, explaining the above mentioned. I received no reply nor detailed billing. One and a half years later I received a debt collection on my personal credit report from a Caine & Weiner Law Firm. 
I again contacted the company and asked for a detailed billing statement, to which the representative said someone would get back to me. Again, no reply. I went to my personal email spam folder to clean it out and there I found over XXXX emails from different representatives from Caine & Weiner attempting to collect the debt. Caine & Weiner continued their what could be viewed as harassment by calling my fathers house and leaving over XXXX messages weekly, disclosing the attempt to collect the debt. My father deleted the messages knowing that the business was closed, I dont live with him & assuming it was a scam. I attempted to remove the debt with a dispute with XXXX  whom has now confirmed the debt, yet still no detailed invoice has been provided by neither XXXX nor Caine & Weiner. 
I have all email correspondence, bank statements available to verify this debt does not exist, nor belongs on my credit. I am asking for help to intervene and provide me with a detailed invoice where I can verify this debt to my bank statements to the automatic deposits & withdrawal 's, and/or remove this debt if such can not be provided verified. I can provide all bank statements showing that the account was paid and in good standings until XXXX, 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
On XX/XX/year>, I spoke with two First National Bank of Omaha employees or agents. I reported that a merchant that XXXX in XXXX VA, had submitted a fraudulent charge to my account, even though there was no transaction made by me. In fact, research shows that the gas station was permanently closed long BEFORE the date of the charge. So, it was impossible for me ( or anyone ) to have interaction with the merchant. XXXX, FNBO prepared a notice to me on the very same day, XX/XX/XXXX, but did not mail it for a long time. It was received by me on XX/XX/XXXX, more than two weeks after it was dated - a typical FNBO response to DELAY and then to DENY. In the notice, FNBO wrote " The merchandise would have need to be inspected for possible damage and addressed prior to leaving the business. By leaving the store with the product, you accepted the merchandise ''. WHAT MERCHANDISE? FNBO fails to identify any merchandise. In fact, I neither was given nor took any merchandise- how could I when the store was permanently closed beforehand? Clearly, FNBO decided to DISPOSE of my complaint of fraud WITHOUT INVESTIGATING. FNBO.ignored by report of fraud. FNBO never contacted the merchant. FNBO never issued my a new account. Thus, FNBO violated federal law by not investigating. Moreover, I contacted FNBO and XXXX XXXX XXXX XXXX in writing concurrently on XX/XX/XXXX. He has ignored my complaint without any acknowledgement. It is against the XXXX XXXX for XXXX XXXX XXXX to DISMISS a complaint of fraudulent activity without XXXX moment of thought and GREEDILY demand payment of the consumer. No wonder their is so XXXX XXXX XXXX XXXXs reported in the news against big corporate banks.

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 2025-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I opened a Lowes credit card with Synchrony Bank. I later discovered I was being charged monthly fees for a Payment Security program that I never knowingly enrolled in. 
I contacted Synchrony Bank and Payment Security multiple times ( most recently in XX/XX/XXXXXXXX  ) to request proof of my enrollment. Instead of providing a copy of my signed application, a screenshot of the online enrollment, or a copy of the welcome email, they only sent me generic letters claiming I enrolled on XX/XX/XXXX. 
I specifically asked for documentation, but none has been provided. They also admitted the program was canceled effective XX/XX/XXXX, but they denied my dispute and did not refund prior fees. 
I do not know the total amount I was charged, because Synchrony has not given me a full accounting of past Payment Security fees. 
I am requesting : -Documentation of my enrollment, if it exists. 
-Refund of all Payment Security fees if no proof can be provided. 
-Confirmation that the program remains canceled.

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