vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2025, I used funds from my Chase checking account to pay a merchant {$4000.00} for a coaching program. The merchant failed to deliver what was promised : no written contract was ever provided, no course existed at the time of purchase ( despite his own posted policy saying instant digital access post-purchase ), and I only received two short phone calls and vague text responses. The merchant later admitted he would withhold services and keep my money. 

I attempted to dispute this transaction with Chase, but Chase denied my claim almost immediately, labeling it as a scam rather than properly processing it as a disputed debit card transaction for services not provided/ not as described. I specifically told Chase this was an authorized transaction, not fraud, and that my claim was about non-delivery of services. 

A Chase representative even told me on the phone : the merchant still has your {$4000.00}, have a good day and hung up on me. This demonstrates that Chase did not investigate my dispute fairly or in line with federal protections for debit card error resolution.

I am requesting that Chase : 1. Re-open my dispute and process it correctly under services not provided/ not as described.

2. Provide me with a written explanation of why my dispute was closed without proper escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

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 : INQUIRIES : XXXX Date : XXXX XXXX  Date : XXXX 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 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 explanation
Consumer complaint received 2025-08-28 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : INQUIRIES XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 XXXX 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 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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express called and asked if I was the person in charge of my late wifes estate. She is not dead. I asked for proof. Thwey couldn't provide any and said it might just be an accident. I pressed further and they couldn't provide any evidence of her death while they kept asking me information about her trying to collect on her debt she apparently owes them. As I understand this is an illegal tactic and I can assure, even though she is my ex, it was extrememly upsetting. Especailly since they have called numerous times before and I explained that we are no longer married and that they need to remove me from their contact list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
I was notified My personal information was involved in a data breach. I have many spam calls and fraudlent accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately. This is causing many difficulties in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Checked my credit and this debt collector is showing up- they have limited contact information on the website. I am not able to get logged in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Re : XXXX XXXX using Amex card ending in XXXX reference # : XXXX business name : XXXX XXXX XXXX Amount of dispute : XXXX Facts : I made a reservation on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX and was told by the person answering the phone that are at the hotel and that I'm making the reservation with the hotel. They said they were " Reservation Desk. '' I never received any itinerary or reservation number from them because as it turns out the person I spoke to was working for a scam outfit overseas that set up a website mirroring XXXX XXXX XXXXXXXX XXXXXXXX XXXX website. So, potential guests calling think they are making reservations with the hotel. This scam company sends the reservation to XXXX to legitmize the reservation. After finding this out, I called the hotel directly and the manager told the Amex agent in a conference call that they have been scammed and that they are cancelling the reservation ( way ahead of the cancellation date required. ) Amex refused to handle the call as a scam, but a routine merchant dispute. So, I lost because there was not cancellation number to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: MS

Complaint narrative:
I was incarcerated on XX/XX/XXXX through XX/XX/XXXX during my incarceration I was notified that I was the victim of a bureau of prisons data breach upon release I was notified that I was a victim of the XXXX  XXXX breach and the XXXX XXXX breach as well as identity theft after reviewing my credit report I noticed some accounts that I have no knowledge of these accounts are a result of fraud and identity theft please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
I am requesting a swift investigation into a late payment noted on my credit report, which contradicts my established pattern of timely payments.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Chime Financial Inc
State: MN

Complaint narrative:
My identity was stolen last year! My purse and debit cards ID card SS card birth certificate etc cash valuables! XX/XX/XXXX I reported it to XXXX police they gave me a report! I havent gotten any money back! 
XXXX suspended my account its one of my cards used they denied my dispute of XXXX dollars in XX/XX/XXXX! No evidence! 

XXXX my purse was stolen from my apt and I was robbed in XXXX! Cash was taken! 
On XX/XX/XXXX my purse was stolen from my apt and my chime accoount information and cards was in my purse! I reported this to chime yesterday! 
I have a dispute with chime currently because XXXX is used from my checking account since XX/XX/XXXX according to chime rep! 
I experienced XXXX XXXX  and I have a protection order against him for two years! 
I havent gotten any money back from disputes! My card was stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A fair resolution would be the permanent removal of the inaccurately reported XXXX  XXXX bankruptcy and any related derogatory accounts from my credit report, or, at minimum, the update of all records to accurately reflect the bankruptcy as Discharged. Additionally, I request written confirmation of these corrections along with an updated copy of my credit report within 15 business days.

The status is incorrect for the following account Bankruptcy : Discharged XXXX Case Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Company : XXXX XXXX, XXXX ( XXXX XXXX ) Product/Service : Investment account ( brokerage ) Issue : Account restriction without explanation, failure to provide updates, resulting in financial harm Complaint Narrative : On XX/XX/year>, XXXX XXXX restricted access to my XXXX XXXX account without notice or explanation. I was not informed of any basis for the restriction, such as suspected fraud, regulatory concerns, or trading activity.

I submitted a written request for clarification and resolution multiple times through their chat function that week and this week. Nearly a week later, my account remains restricted, and I continue to be unable to access or manage my investments. This has caused ongoing financial loss due to my inability to act in a volatile market. 

On XX/XX/XXXX, I called multiple times and was put on hold. Finally, a representative indicated that I would receive a call back with some type of update and apologized for the poor service. 

On XX/XX/XXXX, after submitting a letter to the Office of the CEO through the SoFi website, I received a call from a Sofi representative ( XXXX ), who acknowledged the poor service and promised a written follow-up. No follow-up communication has been received, and no resolution has been provided.

The companys failure to ( i ) provide a reason for the account restriction, ( ii ) give a timeline for resolution, and ( iii ) communicate in a timely and transparent manner constitutes unacceptable and potentially unethical handling of a consumer investment account. I have engaged in their chat function help at least 5 times regarding this matter, have email twice, and called at least three times. Each time, I was given an apology and promised a resolution or update within the next day.

Requested Resolution : Immediate removal of the account restriction or a clear written explanation of the basis for the restriction ; Written confirmation of when I will regain access to my account ; Compensation for financial harm caused by Sofis delay and lack of communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I stated that I am a victim of identity theft and are disputing the accounts and charges in question. Under the Fair Credit Reporting Act ( FCRA ), victims are entitled to all business records related to transactions and accounts opened fraudulently in their name. Account applications ( paper, online, or telephone ) Account statements or invoices Records of payments or charge slips Delivery addresses associated with the fraudulent account Records of phone numbers used to activate or access the account Any signatures on applications and accounts An XXXXXXXX XXXX report from the creditor, if available Once you provide a copy of your FTC Identity Theft Report, the creditor may not furnish information about the fraudulent account to credit reporting companies Debt collection must stop : If you are contacted by a debt collector, your written request can compel them to stop communications about the fraudulent debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I have no connection to these accounts, which were created without my approval. As per USC 1681g, I ask that they be removed within the required 15 days. Supporting evidence is enclosed.

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 2025-08-28 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:
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 1681e ( 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 2025-08-28 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: NC

Complaint narrative:
I am filing a formal complaint concerning the continued reporting of inaccurate information on my credit report by the credit reporting agencies, despite my repeated disputes. On multiple occasions I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet the bureaus have failed to update or remove the false information as the law requires. This ongoing negligence directly violates my right, under 15 U.S.C. 1681, to have only accurate and verifiable information reported.

The FCRA specifically obligates credit reporting agencies to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct reasonable reinvestigations of consumer disputes ( 15 U.S.C. 1681i ). Despite these clear requirements, the following accounts remain inaccurate and unresolved : Inquiries XXXX XXXXXX/XX/year> Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX These items are not accurate, not properly verified, and must be corrected or permanently deleted as mandated by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX is inaccurately reporting an account on my XXXX  credit file. In their prior CFPB response dated XX/XX/year>, they tied the account to XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. I have never lived at that address. My correct address at the time was XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 

Because the creditor reported an incorrect identifying address, the tradeline is inaccurate under the Fair Credit Reporting Act ( FCRA 607 and 623 ). Reporting the wrong address creates confusion, misidentifies me, and prevents accurate verification of the account. 

I requested full validation, including the signed application and accurate identifying information. XXXX has not provided a signed agreement and instead verified the account with the wrong address. This is not a minor error it goes directly to identity and accuracy requirements. 

I am requesting that the CFPB require XXXX and XXXX  to delete this tradeline entirely from my credit report, since it can not be fully and accurately verified.

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