vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
My credit report has been used, accessed, and sold without my consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b. I did not authorize any third party or credit reporting agency to profit from, distribute, or share my personal consumer information. This misuse of my data has caused financial harm, denial of credit opportunities, and emotional distress.

In addition, my report inaccurately reflects child support as a negative item. Child support is not a consumer debt and should not be included in credit scoring models. This misleading and damaging reporting violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of reported information.

I have been the victim of identity theft and a recent data breach involving major credit agencies, which has exposed my personal and financial information. Since then, unauthorized accounts, collections, and hard inquiries have appeared on my credit report all without my knowledge or consent. I have disputed these items multiple times with the bureaus, but they continue to remain on my report in violation of my rights under FCRA 611 ( a ) and 623.

Below are the primary unauthorized and fraudulent entries currently damaging my credit : Camelback Finance Inc. Auto loan charged-off for {$11000.00} ( unauthorized, no contract ) XXXX XXXX XXXX  XXXX XXXX XXXX Collection account for {$1000.00} ( identity theft ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Collection account for {$3500.00} ( fraudulent lease ) XXXX XXXX XXXX XXXX XXXX XXXX Paid collection for {$1400.00} ( no account for this amount ) XXXX XXXX XXXX ( XXXX XXXX ) Collection for {$440.00} ( fraudulent ) Additionally, multiple hard inquiries were made without permissible purpose under 15 U.S.C. 1681b, including by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and others. 

Despite my formal disputes, none of these have been verified or removed. My current score is approximately XXXX, but the deletion of these unlawful and unverifiable items would raise my score into the XXXX range, accurately reflecting my true creditworthiness. 

These violations show a pattern of negligence, noncompliance, and disregard for consumer privacy. I am requesting that the CFPB intervene and compel the credit reporting agencies to comply with federal law, delete these accounts, and correct my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, Axos Bank emailed me confirming that both my checking and savings accounts were closed and that a check with remaining funds would be mailed to my address. However, when I contacted support in XX/XX/XXXX, a representative stated that my savings account balance had been moved to a checking account, XXXX I did not authorize or reopen and that no check had been processed. 

This contradicts the written closure confirmation and has caused confusion and delay in receiving my money. I am requesting that Axos Bank release my remaining funds immediately and confirm that all accounts are permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Contemporary Information Corp
State: NC

Complaint narrative:
I write to rebut your XX/XX/year> findings regarding the disputed housing court records. 1. No Court Verification Possible Your letter claims the information is accurate and complete, based on current information provided by the court However, the XXXX XXXX XXXX XXXX has confirmed in writing that it does not directly report or provide consumer information to any third parties This makes it impossible that you obtained verification or current information provided by the court, and renders your stated procedure invalid. 2. ID Address Proof of Residence You state that cases were verified by full name and address match by government issued identifications provided by consumer as part of a reverification request and as part of a security freeze request A government-issued ID merely reflects the address listed at the time of issuance ; it is not evidence of residence at any particular date, nor proof that I ever lived at the address tied to the disputed records. At the relevant time I was residing with a relative with the same name, further undermining any assumption that a name/address match confirms identity. 3. Required Procedural Disclosure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required, upon request, to provide a complete description of the procedure used to determine the accuracy and completeness of the disputed information, including : The business name and address of every furnisher you contacted, and The telephone number of each furnisher, if reasonably available. Provide this documentation immediately. 4. Demand for Deletion Because CIC can not demonstrate a legitimate source or a valid verification method, the disputed housing records remain unverified and inaccurate. I therefore demand their immediate deletion from all consumer reports you maintain or distribute.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to report TransUnions continued noncompliance and failure to properly investigate and remove identity theft accounts from my credit report. Despite my previous disputes dated XX/XX/year>2025, and XX/XX/year>025, I have not received a lawful resolution. I have provided TransUnion with all the necessary supporting documents, including my FTC Identity Theft Report, government-issued identification, proof of address, and a signed sworn statement under penalty of perjury confirming that the accounts XX/XX/XXXX and XXXX OF XXXX XXXXXX/XX/XXXX do not belong to me. * * TransUnions ongoing reporting of this information violates my rights under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX ( a ), which require them to block identity theftrelated accounts and conduct a reasonable reinvestigation within the legally mandated time frame.

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
It's been happening since mid XXXX. I keep getting money removed from my account onto XXXX XXXX. I do not use any XXXX XXXX nor I plan to. I need these transactions to stop and have my money back so I can close this account.

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 2025-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: MS

Complaint narrative:
In XX/XX/scrub> 2025, a collection account appeared on my credit report under the name Vance & Huffman , LLC. When I noticed this on my credit report, I submitted a formal written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

In response, Vance & Huffman sent a few documents, including a copy of a loan application and an electronically signed page. However, they did not provide full documentation, including proof of assignment, payment history, or evidence of their authority to collect on behalf of the alleged current creditor ( XXXX XXXX XXXX ). 

Additionally, the documents were delivered in a plain, unmarked envelope with no XXXX postmark or tracking information. This raises concerns that the documents were not properly mailed in accordance with FDCPA XXXX ( a ), which requires proper written notification and validation to be provided within XXXX days of initial contact. 

In XX/XX/scrub> 2025, a second agency, XXXX, began repeatedly contacting me by phone regarding the same debt. After repeated calls and voicemails, I called them back. I didn't validate debt or give them any information, but I did inform them I needed " validation of the debt ''. They have not sent me any written communication despite my verbal request for validation. 

I am concerned that multiple agencies are attempting to collect on this debt simultaneously, and that the original collector, Vance & Huffman, has not met their legal obligation to properly validate the debt. This has caused confusion, stress, and may involve violations of both the FDCPA and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are late payment entries on my credit report that I believe to be incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include accurate, complete, and verifiable information. I am requesting that these late payments be verified, and if they can not be confirmed, they should either be corrected or removed.

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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
What happened : I applied for the Chase XXXX XXXX XXXX Credit Card through Chases official website. 

The offer clearly stated that I would earn a welcome bonus after spending {$3000.00} on purchases within the first 3 months. The same terms are still publicly listed on Chases website here : https : //creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier.

I met the {$3000.00} spending requirement within 3 months but when I contacted Chase to inquire about the bonus, the representative informed me that the minimum spend was {$5000.00}, which contradicts the advertised offer.

I have already contacted Chase customer service and asked to escalate to their Promotions Fulfillment and Executive Office teams, but the issue has not been resolved.

This appears to be a case of misrepresentation or inconsistent application of a promotional offer, and I am requesting CFPB assistance to ensure Chase honors the advertised {$3000.00} spend bonus that was in effect when I applied.

Desired resolution : I would like Chase to apply the XXXX welcome bonus I qualified for under the publicly advertised {$3000.00} spending requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX letters were sent certified. Both disputing the debt and requesting validation of any viable evidence bearing my signature. In return they sent a copy of a printout, which by law does not constitute verification. They then placed this inaccurate and and incomplete account on my credit report without providing verification. Friday XX/XX/year> a lawsuit will be filed in my XX/XX/XXXX court for violating Federal Law as well as reporting inaccurate and incomplete information on my credit report. I have all receipts for all XXXX accounts with this agency. XXXX XXXX removed these accounts from my credit report in order to avoid having a lawsuit filed against them. Now its the collection agency who is responsible.

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: Chime Financial Inc
State: MS

Complaint narrative:
The company is XXXX. I ordered {$80.00} worth of products a month and a half ago from XXXX not realizing that it was the wrong site. They claimed to ship my order and that it was delivered. I called my local offices and it was a fake shipment tracking #. The company customer service keeps sending order refund successfully and wont confirm the account it was supposed to be processed to on XX/XX/year>. I ordered on XX/XX/year>. Its currently XX/XX/year> and no order, refund, or anything is done. I disputed with my account and they decided not to refund my money. I contacted the business that I thought I ordered from and they stated that this has happened to several customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
True Accord Debt collection agency emailed me yesterday, told me I owe a XXXX XXXX, and a long time ago, I had them try do the exact same thing, however, I do NOT OWE a single dollar to XXXX and I disputed that many years ago, and it was dropped immediately. I can also provide proof of this if needed. Theyre demanding I pay them almost XXXX dollars to a place I have never been a part of in my life! Thanks for tails the time to listen and guide me through this! It isnt theXX/XX/XXXX outXX/XX/XXXX time I have dealt with fraudulent activity with my name and or SSN. Its a bummer. Thx again

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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute and request an investigation into the accuracy of the information being reported on my credit file. Upon reviewing my credit report, I noticed an account listed with the following details : Account Type : Charge Account Account Status : Open Payment Status : XXXX Days Late / Derogatory Amount Past Due : {$120.00} Remarks : XX/XX/XXXX Days Past Due Last Payment Date : XX/XX/year> This information appears to be inaccurate and misleading. Based on the reporting, the account is still listed as Open, while simultaneously showing as XX/XX/XXXXdays past due and XXXX days late, which is inconsistent and does not accurately reflect the current or historical status of this account. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. 

I request that your office conduct an immediate investigation into this account and verify its accuracy with the data furnisher. If the account can not be verified or if the information is found to be incomplete, inconsistent, or outdated, I request that it be removed from my credit report entirely. 

Please provide me with written confirmation of the results of your investigation and any actions taken to correct or remove the inaccurate information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never approved, managed, or been associated with them in any way. This is entirely unacceptable, as it reflects false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is deeply concerning. I require immediate clarification regarding why these accounts are appearing and who is responsible for reporting them.

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: 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: IL

Complaint narrative:
My credit report contains collection accounts that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is both accurate and verifiable. I request a thorough review of these entries, and if they can not be verified as accurate, they should 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
- XX/XX/XXXX, XXXX XXXX left an inquiry on my credit record. 
- XX/XX/XXXX, XXXX XXXX XXXXXXXX left an inquiry on my credit record. 
- XX/XX/XXXX, XXXX XXXX XXXX XXXX left an inquiry on my credit record. 
- XX/XX/XXXX, XXXX XXXX XXXX XXXX left an inquiry on my credit record. 
- XX/XX/XXXX, Experian XXXX XXXX left an inquiry on my credit record. 
- XX/XX/XXXX, XXXX XXXXXXXX XXXX left an inquiry on my credit record. 
- XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX left an inquiry on my credit record. 
- XX/XX/XXXX, XXXX XXXX left an inquiry on my credit record.

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 2025-10-12 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed there were several fraudulent accounts that are not mine due to the XXXX  Transunion data breach that i was affected by and including millions of other people. Due to this data breach my credit has been severly damaged and prevented me to obtaining any new credit. Please remove all accounts listed on my dispute for permanent deletion

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Who is the Grantor of the XXXX that's been on my credit report since XXXX the credit bureau states that it's now XXXX someone else used my XXXX business grant. YOU EMAILED ME A BUSINESS ARBITRATION IN XXXX ALONG WITH A AMERICAN EXPRESS CARD WITH A BALANCE OF XXXX, XXXX ON IT IN 3 DAYS I SIGNED AND THEN YOU TOOK IT BACK AND GAVE IT BACK TO THE GRANTOR. IT WAS MINE ONCE I SIGNED FOR THE CARD ALONG WITH THE BUSINESS ARBITRATION. IM CONFUSED THAT YOU TOOK ME THROUGH THAT WHOLE PROCESS AND I RECEIVED NOTHING. NOW CAN I HAVE MY CARD BACK ALONG WITH THE ARBITRATION SEND TO XXXX MAIIL MY CARD TO XXXXXXXX XXXX XXXX XXXX XXXXXXXX GEORGIA 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: 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 am submitting a complaint against Equifax and XXXX XXXX XXXX XXXX for illegal continued charge-off reporting on a closed account, which is materially inaccurate and misleading. 
The account XXXX XXXX XXXX XXXX Account # XXXX was closed on XX/XX/XXXX, yet Equifax continues reporting multiple CO ( charge-off ) notations month after month throughout XXXX and XXXX. Once an account is charged off and closed, continuing to update it with fresh negative codes is considered re-aging, which is a violation of FCRA 605 ( c ).

This practice artificially extends the negative impact of the account beyond the initial charge-off event and misleads lenders by making it appear as if new delinquencies are occurring, which violates FCRA 602 ( A ) and FCRA 623 ( a ) ( 1 ) ( A ). 
I am requesting that this account be completely deleted from my Equifax report, as neither Equifax nor XXXX XXXX XXXX XXXX have provided any lawful basis or internal furnishing ledger records to justify continuous negative updates after the account was closed. 
If they can not provide certified ledger documentation proving each monthly CO notation after closure is accurate and compliant, the account must be deleted entirely under FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>2025 I was charged {$970.00} from a merchant called XXXX at the time I had lost my phone with all my bank account and there was no security and the payments where made and processed also at the same time there were transaction to a rocket app off us made in the amount of a little over {$500.00} and when I finally got a new phone and found out these transactions were made i immediately changed my passwords reported my cards lost or stolen locked everything on my chime account and reported the fraudulent and they did refund the rocket app off us transactions but iv filed XXXX dispute over the XXXX transactions and I am still in the process of the XXXX rebuttal now that has been being investigated for over XXXX weeks now and I'm getting nothing but the same cowardinaated answers every time I call to check the status and it took chime less then a week to denie my first tk rebuttal and now there acting like it doesn't matter to them they have removed the dispute status update tab on my chime app and I feel like they are trying to deny all information about it

Company response to consumer: Closed with explanation