vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank manipulated my bank account by changing, adjusting, and reversing transactions without my authorization. After unauthorized activity occurred on my account in XX/XX/year>, Chase restricted my account and allowed its claims department to make internal adjustments that do not reflect what actually happened. 

Chase altered my transaction history, including removing or changing my rent payments for XXXX and XX/XX/year>, even though I did not authorize those reversals. These actions created false records showing nonpayment, which directly caused my landlord to file a lawsuit against me. 

All actions taken by Chases claims department are suspicious to me. There has been suspicious activity on my account handled internally by the claims department, yet no one at Chase has taken responsibility for these actions. I did not file or authorize several of the claims applied to my account. 

When I repeatedly contacted Chases claims department by phone to request clarification, documentation, and accountability, no one helped me. Representatives either ignored my concerns, gave conflicting information, or stated they do not know who filed the claims. This response is unacceptable and raises serious concerns about improper claims handling and internal misconduct. 

I am formally requesting that Chase Bank conduct a full and deep investigation of all transactions and claims on my account to determine : What actually happened to my funds Who filed each claim Why transactions were changed or adjusted Why rent payments were removed I am requesting the following resolution : A complete and unaltered transaction history for my account Written identification of all claims, including who filed them, when, and for what reason Return of all funds improperly removed, especially my rent payments A written explanation of Chase Banks investigation and corrective actions Chases actions have caused severe financial and legal harm, and I no longer feel my account is safe. I am requesting assistance to ensure Chase complies with federal consumer protection laws and corrects my account immediately. 

After Chase Bank advised me to close and replace my compromised account, I opened a new account as instructed. Despite this, suspicious activity continued. Chase again manipulated transactions and removed funds from my new account, even though the original compromised account had already been closed. This confirms that the issue did not stop with the account compromise and raises serious concerns about internal handling by Chases claims department. Funds continued to be taken without my authorization, and no clear explanation or accountability was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NV

Complaint narrative:
I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from XXXX site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.
State: CO

Complaint narrative:
I'm just trying to get a Cash app card, a new card but it is telling me that my account has been blocked cause of maybe violation of terms,. The thing is like 6 years ago I did have a cash app card and tried to put money on it once I received the cash app card 6 years ago well the guy at the XXXX told me that he tried to put money on it that I wanted and it wouldn't let him, now this is the first time trying to put money on my cash app card cause it is brand new I just received it in the mail. Well fast-forward to now and I just tried to order a new cash app card and yes after 6 have pasted and it is telling me that my account has been blocked I want to know why and I want to appeal this decision cause I have not done anything to violate any term I haven't violated nothing I need a cash app card and I should be able to get one I have done nothing wrong and have not violated nothing. Thank you for your time this is my cloudflaire ID XXXX & My IP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: NY

Complaint narrative:
I received mail of a complaint on file for student loans and the issue listed was struggling to pay loans. THIS IS INCORRECT INFORMATION I NEVER FILED A COMPLAINT LISTING THAT. THIS COMPLAINT HAS NOW BEEN FILED IN THE XXXX XXXX XXXX. THIS WAS A FEDERAL OFFENSE AND FRAUD COMMITTED BY SOMEONE WHO COMMITTED IDENTITY THEFT AND OBTAINED FINANCIAL AID THROUGH THE DEPARTMENT OF EDUCATION. THAN WITH HELP OF A HACKER OR SOME KIND OF XXXX IT COMMITING XXXX CRIMES ALTERED MY INFORMATION IN THE SYSTEM. MY LOAN IN THE LATE XXXXXXXX XXXX  WAS EXSPONGED FROM MY CREDIT REPORT WITH THE XXXX  LOAN FORGIVENESS PROGRAM. HENCE WHY I WAS ABLE TO MOVE AND AQUIRE CREDIT CARDS AND LOAN OFFERS LATER IN LIFE I OWED NOTHING. AROUND XXXX I START GETTING STATEMENTS FOR A VERY RECENT ENROLLMENT AND REQUIRED PAYMENTS OF AT LEAST {$170.00} A MONTH AFTER THE FIRST FEW TIMES CALLING TO COMPLAIN ABOUT THIS THE REPS WERE SUPPOSED TO PROVIDE ME WITH FRAUD PACKETS TO MAIL THEM. WHEN I FINALLY SPOKE TO SOMEONE THE XXXX TIME THEY BEGAN TO EXPLAIN MY LOAN HISTORY WHICH IS IMPOSSIBLE. THERE IS HIGH LEVEL CYBER CRIMES HAPPENING WITH PERSONAL INFORMATION AND FINANCIAL INSTITUTIONS. EXACTLY WHY I FILED THE CHASE COMPLAINT BECAUSE THY WERE PURPOSELY DRAINING MY ACCOUNT AND THE HISTORY WOULD GLITCH MAKING THE NUMBERS DISAPPEAR OR ADJUST WITHOUT ANY EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
I filed a dispute XX/XX/year> on charges made to my chime account XXXX totaling about XXXX I informed chime that my cellular device along with all of my belongings was stolen i provided proper documentation and they claimed to be doing an investigation but almost immediately here it is XX/XX/year> they have denied my claim for the full amount and no real reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: DISCOVER BANK
State: TX

Complaint narrative:
Made purchased XX/XX/year> on XXXX for {$1500.00} Never received goods

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and continued reporting of hard inquiries, closed accounts, and a charged-off account appearing on my credit report.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report information that is complete, accurate, and verifiable. A charge-off is an accounting action taken by a creditor to classify an account as a loss. However, this designation does not relieve the credit bureau of its obligation to ensure that any information reported thereafter is accurate and legally reportable.

I am requesting that you conduct a full investigation pursuant to FCRA 611 and provide written verification of this account, including confirmation that : The account balance being reported is accurate ; The account has not been canceled or forgiven ; and The information is being reported in compliance with all applicable federal laws.

If the account can not be fully verified, or if the debt has been canceled or forgiven, I demand that the account be promptly removed from my credit file. Additionally, if the debt has been canceled, I request written confirmation so that I may obtain the appropriate Form 1099-C from the creditor, as required by federal law. 
Please note that failure to correct or delete inaccurate or unverifiable information constitutes a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am disputing inaccurate reporting of a XXXX XXXX credit card account, specifically the Date of First Delinquency ( DOFD ), account history, and balance reporting. The account was reported with a high balance of approximately {$14000.00} and charged off. 

Timeline & Actions Taken : XX/XX/year> : I sent a certified letter to XXXX XXXX requesting complete verification of the DOFD, account statements, and all payment history, citing FCRA 623 ( a ) ( 8 ). USPS tracking confirms delivery. 
XX/XX/year> : The 30-day FCRA investigation period expired ; XXXX XXXX had not responded or provided verification. 
XX/XX/year> : I sent a 10-day final notice to XXXX XXXX demanding verification and correction of any unverifiable information. USPS tracking confirms delivery. XXXX XXXX did not respond. 
XX/XX/year> : I filed disputes with Experian, XXXX, and XXXX, including copies of my original dispute letters, the 10-day notice, and certified mail receipts. I specifically requested verification or deletion of any unverifiable information. 
XX/XX/year> : Experian completed a reinvestigation but failed to verify the DOFD and marked the dispute as consumer disagrees. The payment history reported remains incomplete and inconsistent, showing no payments for multiple months despite prior evidence of payment activity, which demonstrates the information is unverified. 

Legal Context & Evidence : XXXX XXXX repeated failure to respond constitutes noncompliance with FCRA 623, which requires furnishers to investigate disputes and provide accurate information. 
Experians reinvestigation failed to verify the information as required under FCRA 611, leaving inaccurate reporting on my credit report.

I have documented evidence including : USPS Certified Mail tracking for XX/XX/XXXX and XX/XX/XXXX letters Copies of my dispute letters to all three credit bureaus Experians official dispute response showing consumer disagrees without verification.

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 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Around XX/XX/year> I was trying to improve my credit score and Credit Karma offered me a prepaid debit card to which I would deposit money then use as a credit card. 
I signed up to start a saving account and get a Credit Karma debit card which I could use to make purchases. 
In XX/XX/year> I opened a savings account on the Credit Karma website and deposited {$450.00} and in XX/XX/year> I deposited another {$80.00}. If I had received the debit card I would have continued to make deposits but when I tried to check my balance on the Credit Karma website, there was no record of me having an account so in contacted my bank and reported the money I had deposited as fraud so my bank returned my money back to my checking account. 
I do not remember how long it took but I eventually got the Credit Karma debit card but because of the trouble of getting information from Credit Karma, I did not trust them and decided not to continue with the Credit Karma saving account.

I eventually got the Credit Karma debit card but because I no longer had money in the saving account I had agreed to deposit {$1000.00} into, Credit Karma started to send me monthly bills and charges for late payments.

I contacted Credit Karma and explained what is written above but they insisted I owed them money. Because I refused to reopen the saving account and deposit money into it, Credit Karma reported me to the credit reporting bureaus.

I contacted Credit Karma and disputed the late payments to the credit reporting bureaus but it is on three credit reporting bureaus and do not understand why I am required to have a saving account with a company which I do not trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
I sent 6 times the money via money on XX/XX/XXXX XXXX and only 5 transferts were received and one transaction is not and I dont really understand the why, cause it was expected to be received the same time with the other 5 transactions and the thing is an urgency and the personne cant wait one more day at all, my request is to ask XXXX to make it happen in XXXX so that personn can receive it in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: TN

Complaint narrative:
I reviewed my credit report and discovered multiple accounts that I did not open or authorize. These accounts are damaging my credit profile while I am in the process of making major financial decisions. I am requesting immediate deletion of all accounts identified as identity theft under FCRA Section 605 ( b ) and 15 U.S.C. 1681c-2

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XXXX XX/XX/year>, I was notified by XXXX XXXX that a collection account for {$1400.00} from Jefferson Capital Systems LLC had been added to my credit report. This was the first time I became aware of this alleged debt. 

After discovering the collection, I located a single email dated XXXX XX/XX/year> from Jefferson Capital. This email was sent to an email address I do not use for important or financial communications and primarily use for junk or promotional messages. I did not discover this email until XXXX XX/XX/year>, the same day I learned of the collection. I did not receive any mailed correspondence regarding this alleged debt, and I did not receive any phone calls or voicemails prior to the collection being reported. I have maintained the same phone number for over 12 years. 

My XXXX  credit report shows the Jefferson Capital account as opened on XX/XX/year> and reported on XX/XX/year>, indicating the account was furnished to the credit bureaus before I had meaningful notice or an opportunity to dispute the debt. 

Immediately after discovering the collection on XXXX XX/XX/year>, I filed disputes with the credit bureaus requesting that the debt be verified as accurate. I have never received validation, itemization, or documentation establishing that this debt belongs to me, the basis of the balance, or Jefferson Capitals authority to collect.

I am concerned that Jefferson Capital reported this collection without providing proper notice or validation and continues to report the account despite the lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
I am filing this complaint to dispute inaccurate personal information and an improperly reported charge-off account appearing on my credit report. These errors are causing harm to my credit profile and violate the Fair Credit Reporting Act ( FCRA ). 

1. Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX This address do not belong to me, and I have no knowledge of this. Reporting inaccurate personal identifying information violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681a ( d ) concerning accurate consumer identification.

I am requesting the immediate deletion of this address. 

2. Account in Dispute XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Status : Charge-Off I dispute this account due to inaccurate and incomplete reporting. A charge-off being reported with a XXXX balance is misleading and requires proper verification. If this account can not be fully verified with complete and accurate documentation, it must be deleted in accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). 

These inaccuracies have negatively impacted my creditworthiness, caused unnecessary stress, and interfered with my ability to access fair financial opportunities. The continued reporting of incorrect personal information and unverifiable negative accounts demonstrates a failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief