vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved these accounts, and their presence on my credit report is completely unacceptable. This false and misleading information damages my financial reputation and raises serious concerns about potential identity misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I did a complaint of the consumer not been accurate they took it out because they found that I was correct. Now there suing me and that proof is not to be found because Im not a big company. They didnt even show me terms and conditions nor told me they were investigating again. Didnt even let me know by written nor called. Is still not accurate information when they took it out of my report and now is there again and without notice.

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 2025-10-13 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Cavalry Portfolio Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Phone : ( XXXX ) XXXX Subject : Request for Debt Validation and Cease Collection Activity Account Number : XXXX ( Original Creditor : XXXX Bank XXXX Dear XXXX XXXX XXXX, I recently reviewed my Experian credit report and noticed that your company is reporting a collection account with a balance of {$690.00}, allegedly owed to XXXXXXXX XXXX I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following documentation to verify the debt : The name and address of the original creditor and proof that you are legally authorized to collect on their behalf. 

A copy of the original signed contract or agreement establishing this debt. 

Itemized documentation showing how the amount of {$690.00} was calculated. 

Proof of assignment or purchase of this debt from the original creditor to your company. 

Until you provide the above documentation, please cease all collection activities and do not report, or continue reporting, this debt to any credit reporting agency. If this debt can not be validated, I request immediate deletion of the account from all credit bureaus. 

Please respond to my address in writing within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: RI

Complaint narrative:
Date : XX/XX/year> Financial Institution : JPMorgan Chase Bank , N.A . 
Claim Number : XXXX I am filing this complaint against JPMorgan Chase Bank , N.A . for failing to comply with Regulation XXXX ( XXXX CFR XXXX ) concerning unauthorized electronic fund transfers. 

On XX/XX/year>, I discovered multiple fraudulent online transactions on my Chase checking account debit card from multiple merchants that are unknown to me and I have never dealt with, initially totalling {$2400.00}. The transactions appeared highly suspicious in their erratic and repeating nature for the same amounts charged in quick succession. 

I immediately contacted the Chase XXXX Department that evening, reported the unauthorized transactions, and froze my debit card. I was assured that Chase would refund the funds within XXXX hours. 

I contacted Chase again on XX/XX/year> as I was concerned the unauthorized transactions were still displaying as debited from my account balance. I was informed I had to wait for all transactions to post before Chase could take action. Fortunately, only XXXX of the fraudulent transactions did post, totalling {$510.00} of unauthorized payments. 

I then received a form letter dated XX/XX/year>, in which Chase incorrectly stated the transactions were authorized and denied reimbursement. 

When I contacted the Chase fraud department again on XX/XX/year>, I was informed that I must contact the merchant myself directly to somehow prove the posted transactions were fraudulent. To reiterate, I have no knowledge of the merchant details in question other than the fraudulent transactions listed on my statement. My request to speak directly to, or raise a dispute further with the Chase fraud escalation team, was denied. 

On XX/XX/year>, I submitted a formal written dispute letter through Chases secure upload portal ( Claim Number XXXX ) explicitly invoking Regulation XXXX, including detailed evidence : the call dates and times with Chase XXXX team ( which they advise are recorded ), screenshots showing the fraudulent transactions from the Chase banking app, and confirmation that I had never authorized these payments or used my card in any ATM outside Chases own in-branch. 

XXXX days later, Chase sent an identical denial letter to the original, completely ignoring the additional evidence, legal citations, and requests for action. At no point has Chase issued provisional credit, has not acknowledged the written dispute, and has not provided any supporting evidence for its decision, violating the following Regulation XXXX provisions : XXXX ( b ) failure to investigate properly after written notice XXXX ( c ) ( XXXX ) ( i ) failure to provisionally credit account within XXXX business days XXXX ( c ) ( XXXX ) failure to provide findings and supporting documentation XXXX ( c ) ( XXXX ) improper burden shifting to consumer ( told to contact merchants directly )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 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: CA

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 stressful 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 explanation
Consumer complaint received 2025-10-13 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: CBC Companies, Inc.
State: WA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NV

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formerly express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX DC XXXX XX/XX/year> 2024

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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Collection accounts appear on my credit report that I believe include inaccurate details. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified as accurate, they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED COLLECTION - 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NY

Complaint narrative:
When I took out the XXXX XXXX loan. The loan was pay as you learn ( or something of that nature ). As soon as the loan was disbursed to my university I had to begin paying interest on The loan which they stated would help in the long run which I graduated. I never received a grace period after graduation. I struggled to buy books and have Normal college experience because I had to pay while I went to school. I had 2 jobs while going to school in another state. I contacted them all they told me was that, That was the loan I signed up for. Once I graduated I was still paying and my interest was 9 percent. Till this day I still owe more that borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MN

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 stressful 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union XXXX. XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2025 Subject : Formal Dispute Under the Fair Credit Reporting Act Auto Loan Account Ending in XXXX Dear Navy Federal Credit Union, I am writing to formally dispute the accuracy and completeness of the information being reported regarding my auto loan account ending in XXXX. This account is currently being reported as a charge-off in the amount of {$24000.00}, with multiple months marked CO ( charge-off ), and states that I previously disputed the account but still disagree with the results.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act, I am requesting that you conduct a reasonable reinvestigation of this account and provide full validation and documentation verifying the accuracy of the reported information. Specifically, please provide : A copy of the original signed auto loan contract.

A complete payment history showing how the {$24000.00} balance was calculated.

Documentation verifying that the account was lawfully charged off and not re-aged.

Proof that proper notice of charge-off and reporting was provided to me.

To date, I have not received sufficient documentation verifying that this account is accurate or valid. Reporting unverifiable or incomplete information is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

I request that Navy Federal Credit Union provide the above documentation within 30 days of receiving this letter. If the information can not be verified, please immediately delete or correct this account from my credit reports with XXXX, XXXX, and XXXX.

I am including copies of my identification and the relevant credit report pages highlighting this disputed entry.

Thank you for your prompt attention to this matter. Please send your written response to my address listed above.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
My student loan was in deferment, but it was incorrectly reported as late and delinquent for two months. I was able to have this error temporarily removed from my Experian credit report, and the account was correctly marked as current. However, the late/delinquent status was later reinstated, even though the loan was never actually past due. Since the account was in deferment the entire time, Im requesting that all my accounts be updated to reflect that there were no late payments and that the loan was in deferment as originally documented.

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 2025-10-13 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief