vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-11-01 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: MI

Complaint narrative:
This letter serves as a formal and urgent dispute regarding multiple unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were not authorized by me in any way. As such, they represent a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ), which prohibits credit inquiries without the consumers explicit consent. 

The following inquiries must be immediately removed from my credit file : Capital XXXX XX/XX/year> XXXXXXXX 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 XXXXXXXX I demand that Equifax conduct a thorough investigation into these inquiries and remove them immediately from my report. These accounts were not initiated, authorized, or approved by me, and their continued presence negatively impacts my creditworthiness. 

If Equifax fails to remove these unauthorized inquiries within the time frame required by the FCRA, I will pursue all available remedies under federal law, including filing formal complaints with the CFPB and other relevant oversight bodies, and seeking damages for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I am filing a follow-up complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Despite my previous CFPB complaint and written debt validation request, XXXX XXXX continues to contact me and attempt to collect on an invalid debt. 

XXXX XXXX never provided any response or resolution to my original CFPB complaint, yet XXXX XXXX has now resumed collection attempts. I received an email on XX/XX/year>, demanding payment and adding new late fees. This continued collection activity violates the Fair Debt Collection Practices Act ( FDCPA ) because they are pursuing a disputed and unvalidated debt. 

I previously submitted written notice to cancel my membership, which the company ignored. They continue to add late fees and new charges even though I formally canceled and requested debt validation. 

This company has refused to provide any legitimate verification of the debt, has ignored federal complaint channels, and is now attempting to pressure me into paying fees that are not valid. I am requesting that the CFPB re-open or extend my original case and investigate their ongoing violations. 

Attachments include the latest collection email, my original debt validation letter, and prior correspondence showing their ongoing harassment and lack of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had made several fraud claims with Chase bank on/ around XX/XX/year> in regards to large amounts of online fraud. The fraud reported were from the same online retailer, XXXX XXXX arts I had disputed a total of seven transactions with this same online retailer. The one claim for {$800.00} dollars was approved, however initially, three others were approved, all different amounts and dates of fraud : XX/XX/year> for {$380.00}, XX/XX/year> {$580.00}, XX/XX/year> {$480.00} but then denied after the investigation as well as three other transactions, again, all the same online retailer of XXXX XXXX XXXX of XX/XX/year> {$500.00}, XX/XX/year> {$450.00}, XX/XX/year> {$400.00} were just flat out denied. When I asked Chase why they said that they were unsure if I did business with this retailer before I told them, no, I dont even know what that retailer is and they told me to contact the retailer, I did but the retailer only had an email and never responded to me. I then spoke to the re insertion team to try to get the claims reviewed and the specialist told me well, we know its fraud, but because its online, we cant tell who did the fraud so theyre making ME pay for the fraud which is unacceptable. My account, come XX/XX/year>, will be overdrawn over XXXX dollars because of their mistake. I tried countless times to rectify this and work with them and they refused and want me to pay for the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I disputed this transaction with chime and they denied my dispute. They told me no error occurred but if a consumer contacts you, and tells you it is why not honor the dispute? The transaction was erroneous unauthorized and unsuccessful for receipt of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8000.00} Inquiries : XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/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 2025-10-31 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8000.00} Inquiries : XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/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 non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-31 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/year> confirm confirmed payoff of credit card XX/XX/year> confirmed payoff of credit card and fraudulent withdrawals from Bank of America on multiple occasions with multiple amounts They withdrew {$88000.00} from my checking account They are reporting that I owe them money The two accounts I have with Bank of America have been paid in full since XX/XX/year> They fraudulently withdrew money from my checking account totaling the amount of {$88000.00} and I have all documents to prove it They are reporting that I am behind on payments when both credit cards have been paid in full Calculations, both XXXX  accounts were paid in full with exceptional payment history as of XX/XX/year> Bank of America has fraudulently withdrawn money from my checking account continuously adding up to XXXX Bank of America owes me XXXX in fraudulent charges or withdrawals

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 2025-10-31 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon submittal of my disputes and/or challenges of clear factual errors and metro 2 compliance issues, the credit bureaus have ignored.

There have been several accounts that I have challenged with the 3 credit bureaus they they have no clearly indicated any dispute comments and/or updated the date verified. 
Such as XXXX XXXXXXXX XXXX XXXX  on ( Experian ) none on XXXX XXXX and non on XXXX XXXX XXXX XXXX I get back from the credit bureaus is stall tactics, delay tactics, we applaud your efforts tactics, more over I also submitted a XXXX to the original creditors and heard havent heard back There has been many data points that INCONSISTENT, ERRONEOUS, DEFICIENT, QUESTIONABLE, unverified, even possibly invalid and or else wise NOT COMPLIANT REPORTING.

Failure to Mark Account as " In Dispute '' Statute : 115 U.S. Code 1681s-2 ( a ) ( 3 ) The 3 credit bureaus didn't enter the required notice of dispute or change Date Reported/Updated and because of this, this account is in violation and needs to be removed. FCRA 623 and FDCPA 806 ( b ) state that the, creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report. Delete account for failure to preform an investigation per FCRA regulations. Any deviation of standards JEOPARDIZES the integrity of data '' reported, missing the XXXX aka CCC is a deviation by ommittence.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon submittal of my disputes and/or challenges of clear factual errors and metro 2 compliance issues, the credit bureaus have ignored.

There have been several accounts that I have challenged with the 3 credit bureaus they they have no clearly indicated any dispute comments and/or updated the date verified. 
Such as XXXX XXXXXXXX XXXX XXXX  on ( Experian ) none on XXXX XXXX and non on XXXX XXXX XXXX XXXX I get back from the credit bureaus is stall tactics, delay tactics, we applaud your efforts tactics, more over I also submitted a XXXX to the original creditors and heard havent heard back There has been many data points that INCONSISTENT, ERRONEOUS, DEFICIENT, QUESTIONABLE, unverified, even possibly invalid and or else wise NOT COMPLIANT REPORTING.

Failure to Mark Account as " In Dispute '' Statute : 115 U.S. Code 1681s-2 ( a ) ( 3 ) The 3 credit bureaus didn't enter the required notice of dispute or change Date Reported/Updated and because of this, this account is in violation and needs to be removed. FCRA 623 and FDCPA 806 ( b ) state that the, creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report. Delete account for failure to preform an investigation per FCRA regulations. Any deviation of standards JEOPARDIZES the integrity of data '' reported, missing the XXXX aka CCC is a deviation by ommittence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-10-31 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: IN

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a XXXX  and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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