vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute unauthorized and unverified hard inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are negatively impacting my creditworthiness and were not initiated or approved by me. 

The following inquiries are in question and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a hard inquiry can only be made with a permissible purpose and my explicit authorization. I am asserting that no such authorization was provided for the inquiries listed above. Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting an immediate investigation into these inquiries and demand that they be removed immediately. If the furnishers of the information can not verify my consent. If you can not provide documentation proving that I authorized these inquiries, they must be deleted immediately as required by law. I am also requesting the name and contact information of each entity that initiated the inquiry, along with proof of permissible purpose and authorization.

Failure to provide this information constitutes a violation of the FCRA and may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. Please consider this letter as a formal dispute. I request a response within the required 30-day period as mandated by federal law.

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a call from chase stating that my account was and phone number was phished. I was told to text a list of numbers to a text message in an attempt to retrieve the money stolen. Unknowingly I sent payments to an unauthorized person through zelle. The person on the phone gave me their call back number and name. I called back the number and it was not a chase representative. I received an email from chase stating that these payments looked suspicious and they were going to be investigated. 

I went to the bank to get the issue resolved in person. My account was closed to eliminate any further scam charges. I was told by the bank associate I had to wait for a letter in the mail explaining the situation so I can take it to the precinct. Weeks later I called the fraud department at chase and was told they dont produce letters that can be used to show proof of a scam. They are also refusing to investigate the payments sent through zelle or refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or permitted any of these accounts. This is entirely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused significant concern and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX, Experian received a certified dispute letter (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX, signed for by XXXX XXXX) requesting reinvestigation of inaccurate, duplicate, and unverifiable accountsincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXXand removal of outdated personal information and unauthorized inquiries. Despite proper delivery and more than 30 days passing, Experian failed to provide any written response or results of reinvestigation, in violation of its obligations under 15 U.S.C.  1681i(a) of the Fair Credit Reporting Act.'

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 2025-10-27 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: ID Analytics, Inc.
State: CA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ). 
15 U.S.C. 1681c ( a ) & Section 605B, which addresses blocking/deleting information of victims of identity theft. The following information should be removed : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE BANKSHARES, INC.
State: MN

Complaint narrative:
I have a checking and savings account with Bell Bank. On XX/XX/year> there was a charge for XXXX on my account. Mind you I have never used hopper nor did I know what it even was at the time. {$150.00} was taken from my account. On XX/XX/year> I called the bank to dispute the fraudulent transaction and they gave me provisional credit after a few days. On XX/XX/year> they sent out a letter saying they denied my claim because it was found to be a valid charge. I am incredibly disappointed because there is no way they did a proper investigation and I believe that they mishandled it. My money was stolen from me and the bank failed to do a thorough investigation. I would like to be able to get it back because times are tough right now and I dontt have the best paying job. I make {$14.00} an hour and I work so hard for this to be taken away from me. I will be closing my account with Bell Bank after banking with them for almost a decade due to this.

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 2025-10-26 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: NY

Complaint narrative:
I dispute multiple inaccurate, incomplete, and unverifiable items on my credit reports. I sent formal disputes to each nationwide consumer reporting agency ( Equifax, Experian, TransUnion ) on XX/XX/year> requesting validation and removal or correction. The bureaus have failed to validate the listed accounts, correct the reporting, or remove unverifiable accounts as required under the Fair Credit Reporting Act ( FCRA ). These inaccurate entries have caused concrete harm including denial or impairment of credit and delay in mortgage approval for my family. I request CFPB assistance to obtain a complete and proper reinvestigation and correction, and to ensure furnishers comply with FCRA obligations. ( Source : dispute letters to Equifax, Experian, TransUnion dated XX/XX/year>. ) Dept of EdXXXX Account numbers shown on reports ( examples ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as late/ not Paid as agreed when I was never late. I demand update to reflect PAID AS AGREED / 100 % on time. 

Discovercard Account XXXX * * * * * * * * * * * Reported inaccurately ; request correction to PAID AS AGREED. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnisher has not validated this debt ; I requested validation and have received no response. If this account can not be validated with original signed contract/application, it must be deleted. 

XXXX Account numbers shown XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed as inaccurate ; no validation provided after my request. Remove or validate with original signed documentation. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed ; no validation provided. Remove if unverifiable. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as charged-off and/or sold ; I have not received a XXXX or other proof. This reporting may violate 15 U.S.C. 1681e ( b ) due to lack of reasonable procedures to ensure accuracy. If furnishers can not validate, delete. 

XXXX XXXX XXXX Account XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed as inaccurate / misleading reporting and a FDCPA concern ; remove if not validated. 

Jax Elect Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed as inaccurate ; requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: NY

Complaint narrative:
I dispute multiple inaccurate, incomplete, and unverifiable items on my credit reports. I sent formal disputes to each nationwide consumer reporting agency ( Equifax, Experian, TransUnion ) on XX/XX/year> requesting validation and removal or correction. The bureaus have failed to validate the listed accounts, correct the reporting, or remove unverifiable accounts as required under the Fair Credit Reporting Act ( FCRA ). These inaccurate entries have caused concrete harm including denial or impairment of credit and delay in mortgage approval for my family. I request CFPB assistance to obtain a complete and proper reinvestigation and correction, and to ensure furnishers comply with FCRA obligations. ( Source : dispute letters to Equifax, Experian, TransUnion dated XX/XX/year>. ) Dept of EdXXXX Account numbers shown on reports ( examples ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as late/ not Paid as agreed when I was never late. I demand update to reflect PAID AS AGREED / 100 % on time. 

Discovercard Account XXXX * * * * * * * * * * * Reported inaccurately ; request correction to PAID AS AGREED. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnisher has not validated this debt ; I requested validation and have received no response. If this account can not be validated with original signed contract/application, it must be deleted. 

XXXX Account numbers shown XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed as inaccurate ; no validation provided after my request. Remove or validate with original signed documentation. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed ; no validation provided. Remove if unverifiable. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as charged-off and/or sold ; I have not received a XXXX or other proof. This reporting may violate 15 U.S.C. 1681e ( b ) due to lack of reasonable procedures to ensure accuracy. If furnishers can not validate, delete. 

XXXX XXXX XXXX Account XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed as inaccurate / misleading reporting and a FDCPA concern ; remove if not validated. 

Jax Elect Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed as inaccurate ; requested validation.

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 2025-10-26 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: NY

Complaint narrative:
Here is what happened I am writing to report unauthorized transactions on my Chime account and seek assistance with Chime 's repeated denial of my disputes without explanation. 
On XX/XX/year>, I noticed unauthorized transactions made by Paysend.com on my Chime account, as follows : XX/XX/year> : {$370.00} XX/XX/year> : {$100.00} XX/XX/year> : {$100.00} XX/XX/year> : {$200.00} XXXX XXXX : {$190.00} I immediately contacted Chime on XX/XX/year>, to report these unauthorized transactions. Chime denied my dispute on XX/XX/year>, without providing any explanation. I escalated issue for review on XX/XX/year>, but the dispute was denied again. On XX/XX/year>, I requested another escalation, and Chime denied it on XX/XX/year>, again without any response or explanation. 
I have evidence supporting my claim, including a police report and a notarized affidavit documenting the theft of my cards and phone, which led to unauthorized access to my Chime account. I also took immediate action by changing my email and Chime account passwords to secure my account. 
I am requesting your assistance in investigating Chime 's handling of my dispute and ensuring a fair resolution for these unauthorized transactions totaling {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this as a formal escalation of an unresolved Regulation E violation concerning Capital One claim # XXXX ( CFPB # XXXX ). 

Capital One confirmed a provisional credit of {$1700.00} on account ending in XXXX but has failed to release those funds. My account remains frozen, even though internal activity reflects a balance of {$1600.00}. This means Capital One continues to conduct transactions internally while denying me access to my own funds. 

Under 12 CFR 1005.11 ( c ), a financial institution must provide a provisional credit within XXXX business days and make those funds available for withdrawal during the investigation. The extended delay and account restriction clearly violate that requirement and have caused direct financial harm. 

In addition, I am concerned that my treatment in this matter may reflect unequal or discriminatory handling. I am personally aware of similarly situated customers of different racial backgrounds who were granted provisional access under nearly identical circumstances, while my account remains restricted. I request that Capital One conduct a compliance review for potential disparate treatment under the Equal Credit Opportunity Act ( ECOA ) and report the outcome to me and to the OCC. 

I hereby demand that Capital One : Release the full provisional credit immediately to my external XXXX XXXX  account on file, and Provide written confirmation of the credit and restoration of access within XXXX hours. 

If this matter is not resolved promptly, I will file follow-up complaints with the CFPB Supervision & Enforcement Division , the OCC, and pursue all available civil remedies for damages under Regulation E 1005.11 and any applicable civil-rights statutes. 

This serves as formal notice and demand for immediate corrective action. 

Sincerely, XXXX XXXX XXXX Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: NY

Complaint narrative:
I dispute multiple inaccurate, incomplete, and unverifiable items on my credit reports. I sent formal disputes to each nationwide consumer reporting agency ( Equifax, Experian, TransUnion ) on XX/XX/year> requesting validation and removal or correction. The bureaus have failed to validate the listed accounts, correct the reporting, or remove unverifiable accounts as required under the Fair Credit Reporting Act ( FCRA ). These inaccurate entries have caused concrete harm including denial or impairment of credit and delay in mortgage approval for my family. I request CFPB assistance to obtain a complete and proper reinvestigation and correction, and to ensure furnishers comply with FCRA obligations. ( Source : dispute letters to Equifax, Experian, TransUnion dated XX/XX/year>. ) Dept of EdXXXX Account numbers shown on reports ( examples ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as late/ not Paid as agreed when I was never late. I demand update to reflect PAID AS AGREED / 100 % on time. 

Discovercard Account XXXX * * * * * * * * * * * Reported inaccurately ; request correction to PAID AS AGREED. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnisher has not validated this debt ; I requested validation and have received no response. If this account can not be validated with original signed contract/application, it must be deleted. 

XXXX Account numbers shown XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed as inaccurate ; no validation provided after my request. Remove or validate with original signed documentation. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed ; no validation provided. Remove if unverifiable. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as charged-off and/or sold ; I have not received a XXXX or other proof. This reporting may violate 15 U.S.C. 1681e ( b ) due to lack of reasonable procedures to ensure accuracy. If furnishers can not validate, delete. 

XXXX XXXX XXXX Account XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed as inaccurate / misleading reporting and a FDCPA concern ; remove if not validated. 

Jax Elect Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed as inaccurate ; requested validation.

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 2025-10-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account XXXXXXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX ) * * continues to be reported with a XXXX late payment by Experian, while XXXX  and Equifax show the account as current and open. This inconsistency among credit bureaus indicates that at least XXXX furnisher or bureau is reporting inaccurate information. 

I previously disputed this entry, and the status now shows Dispute resolved ; customer disagrees, yet no verifiable documentation or certified payment history was provided to confirm any actual delinquency. The differences in balance amounts ( {$81.00} vs. {$260.00} ) and payment dates ( XX/XX/year> vs. XX/XX/year> ) further demonstrate incomplete or inaccurate data handling. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), furnishers and credit bureaus must maintain and report accurate, complete, and verifiable data. Continuing to publish inconsistent or unverifiable information violates these sections of federal law.

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 2025-10-26 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: FL

Complaint narrative:
I am submitting this complaint because the credit reporting agencies ( XXXX XXXX XXXX XXXX  ) are reporting inconsistent and/or inaccurate information for the same account. 

Account Name : Commenity /XXXX Account Type XXXX Credit card Account Number XXXX The reported information differs among the credit bureaus. For example : XXXX  : Shows last Activity - XX/XX/2025 - charged off - XXXX - XXXX XXXX XXXX XXXX lates - 73 % payments made on time XXXX  : - Last Activity XX/XX/2025 - Charged off XXXX - XXXX XXXX lates - 0 % of payments made on time XXXX  : - Last Activity XX/XX/2025 - Purchased by another lender - XXXX, XXXX, XXXX This inconsistent reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( Section 611 ), which requires credit reporting agencies to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information. 

I disputed this account directly with the credit bureaus on [ enter date ( s ) ] and provided supporting documentation proving the correct status of the account. However, the information remains inaccurate and inconsistent.

Each bureaus verified as accurate response lacks supporting documentation as required under FCRA 611 ( a ) ( 7 ) ( Method of Verification ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: GA

Complaint narrative:
My card was locked an my account was forced charged

Company response to consumer: Closed with explanation