vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Issue Type : Auto Loan / Unauthorized Account Company : Credit Acceptance ( or lender name ) Dealer : XXXX XXXX XXXX Complaint Narrative : I applied for an auto loan on XX/XX/year> and received a written denial dated XX/XX/year>. Despite this denial, the lender later approved and opened a loan on XX/XX/year> without my authorization. 

I never accepted any post-denial approval, never signed a new contract, and never took possession of the vehicle. There is no valid agreement. 

This appears to be an unauthorized loan and a violation of federal consumer protection laws. I am requesting rescission of the loan, correction of any reporting, and written confirmation that no balance is owed.

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 2025-12-22 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: DE

Complaint narrative:
I am submitting this complaint against TransUnion regarding its failure to conduct a reasonable reinvestigation of an XXXX XXXX XXXX XXXX  tradeline reported on my credit file. 

I disputed the XXXX XXXX account with TransUnion and identified specific inaccuracies and legal defects, including unresolved questions regarding the accounts enforceability under Illinois law. In particular, I raised concerns that the transaction may violate the Illinois Predatory Loan Prevention Act ( PLPA ), which caps the annual percentage rate for covered loans at 36 % and provides that loans made in excess of that cap are void and unenforceable. The contract itself acknowledges that the applicable APR under Illinois law may differ from the disclosed Truth-in-Lending APR, yet no PLPA-compliant APR calculation has been produced demonstrating compliance.

I also disputed TransUnions reporting of an accelerated balance where the creditor has not demonstrated lawful authority to enforce the obligation or compliance with applicable consumer-protection requirements. I informed TransUnion that this account is the subject of active regulatory complaints with the Illinois Attorney General, the Illinois Department of Financial & Professional Regulation, and the Federal Trade Commission.

Despite receiving this detailed dispute, TransUnion verified or continued to report the tradeline without disclosing what documents were reviewed or whether the furnisher provided competent documentation addressing enforceability, PLPA compliance, lawful authority to collect, or the or the accuracy of the balance reported. TransUnion did not indicate that any PLPA-related review was conducted or that the legal status of the obligation was assessed.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation and to ensure that information reported is accurate and not misleading. Verifying a tradeline without reviewing documentation addressing disputed legal enforceability and statutory compliance does not satisfy this obligation. 

By continuing to report this tradeline without addressing these issues, TransUnion is furnishing credit information that is misleading and potentially inaccurate, causing ongoing consumer harm. 

I respectfully request that the CFPB review TransUnions reinvestigation practices in this matter and require corrective action, including deletion or correction of the XXXX XXXX tradeline and confirmation that TransUnions reinvestigation procedures comply with federal law.

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 2025-12-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank , N.A . regarding unauthorized credit card charges and the banks failure to follow required dispute and investigation procedures. 

I did not authorize the charges on credit card account # ending in XXXX and I am not responsible for them. I notified Chase multiple times beginning in or around XXXX or XX/XX/year> that the charges were unauthorized and provided name phone number and address of the individual responsible for said charges. Despite these timely notices, Chase has failed to properly resolve the dispute. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I have the right to dispute unauthorized charges and the creditor is required to provide clear dispute procedures and conduct a reasonable investigation. Chase did not provide the required dispute forms, written instructions, or adequate guidance for submitting the dispute, despite repeated notifications.

Additionally, Chase has continued to treat the charges as valid and has either reported or threatened to report inaccurate information related to this account. This constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires furnishers to report accurate information and correct errors at once after this notice of dispute.

Chases failure to provide required disclosures and proper dispute mechanisms also implicates consumer protections under the Truth in Lending Act ( 15 U.S.C. 1666 ), I am requesting that : 1. Chase conduct a full and documented investigation into the unauthorized charges.

2. All unauthorized charges be removed and I be confirmed as having no liability for them.

3. Any inaccurate or negative credit reporting related to this account be corrected or deleted.

4. All collection, late or enforcement activity related to the disputed charges cease immediately.

5. Chase provide a written explanation for its failure to provide proper dispute forms and procedures.

I am requesting CFPB oversight to ensure compliance with federal consumer protection I have made multiple attempts to resolve this issue directly with JPMorgan Chase without success.

This complaint is submitted to preserve my consumer rights and to obtain a lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Subject : Failure to provide required adverseaction disclosures XXXX/ Atlanticus Holdings ( XXXX XXXX ) Applicant : XXXX ( XXXX XXXX XXXX Application date XX/XX/year> [ Complaint text : ] I, XXXX XXXX, applied online for an XXXX credit card on XX/XX/year>. After submitting a completed application I received only an onscreen message stating : We could not approve you for the XXXX Credit Card at this time. I have reason to believe XXXX obtained and used a consumer report or credit score in connection with this decision.

Under Regulation B ( 12 C.F.R. 1002.9 ) and FCRA 1681m, a creditor that takes adverse action must provide a written adverseaction notice containing the action taken, the creditors name and address, the ECOA statement, and either the specific principal reasons for the denial or a disclosure of the right to obtain those reasons with contact information ; if a consumer report or score was used, the creditor must also provide the name, address, and telephone number of the consumer reporting agency, a statement that the CRA did not make the decision, notice of the right to obtain a free report within 60 days, and the credit score and score factors if a score was used. 

XXXX did not provide any written adverseaction notice meeting these requirements. I mailed a certified demand for these disclosures on XX/XX/year> ( tracking # XXXX ), which was delivered and signed for on XX/XX/year>. XXXX has not provided the requested statutory disclosures within the required timeframes. 
{ Legal basis for complaint ( what I believe they violated ) : } Under the Equal Credit Opportunity Act and Regulation B ( 12 C.F.R. 1002.9 ), a creditor must notify an applicant of action taken within 30 days of receiving a completed application and must either state specific reasons for an adverse action or provide notice of the right to obtain those specific reasons. The page I received does not satisfy Reg B content or timing requirements unless a compliant separate notice was sent.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ) and Regulation V ( CFPB implementation ), if an adverse action is based in whole or in part on a consumer report or credit score, the user must provide the consumer the CRA name, address, and phone number ; a statement that the CRA did not make the decision ; notice of the right to obtain a free copy of the report within 60 days ; and, if a credit score was used, the numerical score, the range of possible scores, the date the score was created, and the key factors that adversely affected the score. The materials I received include none of these required disclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MD

Complaint narrative:
This item was already on my report in XXXX of 2025 I disputed it and it was removed .. it popped back up on my report in XXXX XXXX XXXX I never received a reinstatement notice or nothing in that matter it violated the CFCA POLICY and that violated my CFCA RIGHTS they are not filling policies if I wouldve been notified 7 months wouldve gave me time to at least set up a payment plan or get the situation sorted out Ive been working on my credit I got my score up XXXX points in less then a month and it all was ripped away from a technicality a illegal one at that

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MI

Complaint narrative:
I am writing in response to the account that appears on my credit report. I do not recognize this debt and have no knowledge of it. I have never received any billing statements, contracts, or prior notice regarding this account. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. Please provide competent evidence that I am legally obligated to pay, including but not limited to : 1. The name and address of the original creditor 2. The complete account history 3. The amount allegedly owed and how it was calculated 4. A copy of any signed contract or agreement bearing my signature 5. Proof that you are authorized to collect on this debt Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and verifiable information. Until proper validation is provided, this account must be removed from my credit report. 

If you are unable to provide the requested documentation, you must delete this account immediately from all consumer reporting agencies and cease all collection activity. 

Please note that any continued reporting or collection without validation may constitute violations of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank Originally Let A Merchant Charge My Debit Card Subtracting From My Balance For XXXX Days But When They Collect The Final Payment They Subtract A Complete New Charge Over Drarfting My Account. It's Been Over 7 Days and Citi Bank Still Got The Second Charge In A authorization Hold. Like The merchant Control My Bank Account And Citi Bank Wants To Only Do Business With The Merchant Itself Witholding Me From My Funds And I Look Like Im The Bad Person Cause The Bank Account Is In My Name I Demand Citi Bank To Stop Let Merchants Doing This Like The Bank And The Merchant Is In This Together And Robbing Me From My Funds and Release All Authorization Holds On My Account Noting It's Been Over 7 Days

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I sent a payment of XXXX on XX/XX/year> to cover the balance of my promotional plan. However, my current statement dated XX/XX/year> shows an outstanding balance of XXXX, indicating the payment was not received and interest that was accumulated. 
The payment I sent was to cover the balance due of the XXXX  months deferred interest promotional plan that was going to expire on XX/XX/year>. That has been my issue since XXXX. I sent the check for the promotional balance due of XXXX. I would like my interest to be removed since I did send my payment and I have tried to fix the issue since I noticed an issue with payment. My account has all this interest and no one has been able to help me. I have mailed so much paperwork to the address I was given by the customer service representative. I just recently received an email by XXXX XXXX XXXX XXXX XXXX XXXX from Comenity Bank to put a stop in the check because it has been more than XXXX  days. I put a stop on my check on XX/XX/year>. 
Now XX/XX/year> I see that you guys did receive my check. I contacted customer service and they again wrote on the dispute to be processed correctly. 
But my issue hasn't been resolved.This is so frustrating no one has been able to help me correctly. I called and they just typed my information and no help with my issue. I got asked to upload documents on a website. But on the website I'm not able to do so. So they give me the address to mail everything instead. To Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Billing Dispute I mail everything.Then they tell me they haven't received anything. 
Not sure why everything is taking so long. And now interest keeps adding up. I put a stop on my check on XX/XX/year>, and then I see they post the payment on XX/XX/year>. But since I was told to put a stop because supposedly the check was lost. Now they added a fee for XXXX dollars for stop payment. So frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
On XX/XX/2025 XXXX XXXX XXXX made a reward offer via email that if I spend {$100.00} on crypton on their online platform, they would pay me a {$20.00} reward in crypto. I accepted the offer and bought {$100.00} of crypto on their exchange. They charged me a fee to transfer the money from my bank to their exchange and then charged a spread on the crypto purchase. I received the crypto but they never made good on the {$20.00} in crypto. A few hours after I had taken them up on the offer, they sent another email stating that the previous offer had been sent in error. I immediately reached out to them to let them know that I had already committed my {$100.00} and the they needed to fulfill their end of the deal. After a few emails back and forth they quit responding and have not fulfilled their obligation to me. I believe this was a scam to get customers on their exchange so they could make fees off the transfers and spread on the cost of the tokens. They have since put a security hold on my account and will not let me transfer my crypto off their exchange in retaliation for questioning them. Now my other rewards in crypto that I'm earning are useless as I can only convert them to XXXX currency and can not use them otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was charged approximately {$1300.00} for merchandise purchased from XXXX that was never delivered. XXXX asserted delivery based on a carrier document showing a delivery appointment ; however, the carriers own records and call transcripts confirm that no delivery occurred.

Carrier confirmation ( Exhibit A ) : In recorded calls with CrossCountry Freight Solutions ( CCFS ), the carrier confirmed that the last scan occurred on XX/XX/XXXX, that the driver noted the freight was not on the truck, and that no delivery scan, timestamp, signature, photo, or GPS confirmation exists for any date. XXXX further confirmed that the XX/XX/XXXX entry reflects billing approval, not delivery, and that internal review ( including terminal security footage ) was unable to locate the freight, which remained missing. 

Delivery receipt shows appointment only ( Exhibit B ) : The document XXXX provided as proof of delivery shows only a scheduled delivery appointment and contains no completed delivery date, time, driver information, signature, or proof of receipt, and therefore does not substantiate delivery. 

Written carrier request and response ( Exhibit D ) : I requested official written confirmation from CCFS of either non-delivery or valid proof of delivery. The carriers records confirm non-delivery and the absence of proof of delivery, consistent with the call transcripts.

Merchant communications and refusal to refund ( Exhibit C ) : I repeatedly emailed XXXX, provided the carriers confirmation of non-delivery, and requested a refund or valid proof of delivery. Despite this, XXXX refused to refund, relied on the appointment-only document, and closed the case, directing me to pursue the carrier.

I disputed the charge with Chase for merchandise not received and submitted the above documentation. Chase denied the dispute and upheld the denial on appeal without addressing the lack of proof of delivery or the carriers confirmation that the shipment was never delivered and was lost.

I am requesting review to ensure compliance with the Fair Credit Billing Act and applicable card-network rules, which require actual proof of delivery for merchandise-not-received disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Fidem Baltimore Holdings LLC
State: NY

Complaint narrative:
My Issue is with my Ignite Credit Card. You earn points that you can either get cash back or have it applied to your student loans. If you apply to your student loans you get an extra XXXX  % added. I have made a few reward transfers from here but never followed up to make sure they were applied. I had {$810.00} that I asked to have applied to a student loan and it shows it was applied on my statement on XX/XX/year>. That {$810.00} should have went up to {$1000.00} to the student loan. I checked daily to make sure it was applied to the XXXX XXXX loan that I requested it go to. It was never applied and I initially tried to email Ignite to get a list of the payments they made to XXXX XXXX but no response. It was never applied on XXXX XXXX 's end and on XXXX I called Ignite and spoke with an XXXX and XXXX and XXXX ( multiple calls ) and confirmed it was listed to go out on XX/XX/year> and I explained that XXXX XXXX says they never received. I asked for address they sent it to and he they could not answer and said they would have it escalated and a manager would call me within XXXX. I never received a call. on XXXX I called and spoke with XXXX and he confirmed he could see that they sent to PO Box XXXX and he would have it escalated so a manager would call within XXXX. I called XXXX XXXX and spoke with a XXXX who said the XXXX is XXXX of their PO Boxes but they show nothing coming in and they should have used XXXX XXXX XXXX but she shows nothing coming in for that amount. To this day nothing has been applied and I still have not had any call from a manager. Meanwhile I have redeemed {$2100.00} with the credit card company which does not include the extra XXXX  % and I have no proof that any of it has been applied to the loans and I have accumulated more interest because the rewards payments have not been added. I feel this has been a scam and I would really like to make sure all the money they should have applied to may daughters student loan get applied. {$2100.00} should be {$2800.00}. I would have never signed up for this card if it had not been for the rewards system with the student loans. I am a single mother helping my daughter with her college loans and this was the best way I could help. No one is contacting me with XXXX and XXXX XXXX says its XXXX of their PO Boxes however they have never received any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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