vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Hello, On XX/XX/2025 I was charged {$790.00} on my Chase checking account from XXXX XXXX. The charge on my card was not authorized by me, I did not buy anything from XXXX XXXX in months, and this charge was not from me at all. I immediately used my Chase mobile app to flag it as fraudulent. Then, Chase " charged back '' this amount to me. I called Chase Bank saying that I do not want a " charge back '', but rather confirmation that they know this is a XXXX XXXX confirmed fraudulent charge. And that I didn't want a temporary chargeback, only to have this later charged to me again. I asked Chase for updates on the case every few days and have not been able to get any information about what they did to investigate nor where they were in the investigation process. I was on the phone with Chase for XXXX hours at XXXX point, repeating myself, and a new representative repeating the same information back to me. Everyone told me to close my account and open a new one. I had to repeat to XXXX different people that I live in hawaii where there aren't any chase branches. So if I close an account, I am unable to open XXXX. Then a few days later, I called Chase customer service and they said, to NOT close the account since this would hinder the investigation process. This was new information and went against what XXXX other chase representatives have told me. Thankfully, I did not close the account because I had various subscriptions I didn't want to lose ( like my apartment 's rent charges ). 

At this point, I am looking to do everything else I can to ensure Chase knows I didn't not make this XXXX XXXX charge. I submitted to Chase a handwritten letter and proof of my XXXX XXXX account that included all my past purchases ( which did NOT include this {$790.00} charge ). And I hope writing this will be useful in my claim. 

I've included my google location for the time of this fraudulent charge. 
XX/XX/XXXX, XXXX my location was nowhere near a XXXX XXXX and I was home!!! ( I wish I could show my search history to prove I didn't buy anything on the XXXX XXXX website, too.. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing a complaint against Hunter Warfield. I recently discovered that they placed a debt on my credit report, but I have never heard of this company and have never done business with them.

Key Issues : Hunter Warfield is reporting a collection account to the credit bureaus without my knowledge or consent.

I have never received any written notice or communication from Hunter Warfield about this alleged debt.

When I requested information, they refused to provide the name of the original creditor unless I first gave them my personal credit card information. This is inappropriate, deceptive, and creates identity theft risk. 

I have no record of owing this debt, and I can not confirm whether it is even mine. 

Under the Fair Debt Collection Practices Act ( FDCPA, 1

5 U.S.C. 1692g ), collectors must provide the name of the original creditor and validate the debt. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), debt furnishers must only report information that is accurate and verifiable.

Requested Resolution : Require Hunter Warfield to provide full validation of this alleged debt, including the original creditors name, account documentation, a
nd proof of assignment.

Prohibit Hunter Warfield from conditioning disclosure of creditor information on consumers providing personal credit card details.

If they can not validate the debt, require immediate removal of this acco
unt from all credit reporting agencies.

Investigate Hunter Warfields practices for compliance with federal law.

This account is damaging my credit profile. Since I have never heard of Hunter Warfield and can not confirm this debt is mine, I respectfully request immediate CFPB intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: PA

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX in the amount {$1400.00} I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not please delete account # XXXX from my report or I will have to take legal action.

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 2025-09-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a link from credit karma to 'link ' my Chase accounts... I do not have an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have XXXX active capital one credit cards, a couple months ago while checking my reports i noticed i got a late payment in a capital one credit card account ending in XXXX however i do not have an account ending in that, i have more than once already disputed with the credit bureaus and capital one to provide me information regarding that account and which i have only received the letters attached and i also included the credit reporting entry that is damaging my credit worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My account has an old email and phone number attached to it. I am concerned that Experian is sending confidential mail to old apartment. There is no way for me to change the information. I am stuck talking to an AI that can not help me.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was trying to purchase a home, and I've came across some things on my credit report that didn't belong to me I was a victim of identity theft, and my information was abused. I filed an identity theft report and am currently in the process of removing all these things that doesn't belong to me that is hurting me.

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 2025-09-22 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Due to the XXXX XXXX and XXXX data breach which included sensitive information such as Social Security number, date of birth, financial account details and medical information. I have experienced ( unauthorized credit inquires, attempted fraudulent accounts, negative reporting errors, an ongoing risk of identity theft ). Despite my efforts to protect myself by initiating fraud alerts, placing credit freeze, and by disputing inaccurate information, I continue to suffer harm to my credit reputation and financial security. I have also requested debt validation letters from multiple companies. ( XXXX XXXX XXXX XXXX XXXX, Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card that had a {$0.00} balance ). Reporting Act ( U.S.C. 1681 ) and the Fair Collection Practices Act ( 15 U.S.C. 1692 ). Which they have not provided any legal documentation proving that I own the debts or have been assign the rights to collect them 611 ( a ) ( 5 ). I also had some names and phone numbers, I had deleted from XXXX  report. That did not match my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Due to the XXXX XXXX and XXXX data breach which included sensitive information such as Social Security number, date of birth, financial account details and medical information. I have experienced ( unauthorized credit inquires, attempted fraudulent accounts, negative reporting errors, an ongoing risk of identity theft ). Despite my efforts to protect myself by initiating fraud alerts, placing credit freeze, and by disputing inaccurate information, I continue to suffer harm to my credit reputation and financial security. I have also requested debt validation letters from multiple companies. ( Portfolio Recovery, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card that had a {$0.00} balance ). Reporting Act ( U.S.C. 1681 ) and the Fair Collection Practices Act ( 15 U.S.C. 1692 ). Which they have not provided any legal documentation proving that I own the debts or have been assign the rights to collect them 611 ( a ) ( 5 ). I also had some names and phone numbers, I had deleted from XXXX  report. That did not match my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I TIRED TO REACH OUT TO EXPERIAN TO FIGURE OUT WHATS GOING ON WITH AM IUSSE AND I CAN NOT REACH ANYONE AT EXPERIAN AT ALL ONLY AI AND I CAN NOT GET ANYTHING FIXED. TO SPEACK WITH ANYONE TO HELP ME WOULD BE AWESOME BUT THAR ] TS NOT ASN OPTION THESE DAYS ON AI IS THERE AND I CANT SEEM TO FIX ME ISSUE AT ALL IM SOOOOOO FRUSTRATED AND DONT KNOW HOW TO FIX THIS CAUSE IN CANT REACHG A LIVE PERSON AT ALL WHY CANT THERE BE A NUMBER TO CALL

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Account number : XXXX Amount {$3700.00} Date opened : XX/XX/year> I am disputing a student loan being reported by XXXX XXXX. I enrolled in XXXX XXXX but never attended classes, did not receive educational services, and did not benefit from the loan funds.Despite this, XXXX continues to report this debt. 
Because i never attended, the loan that was improperly certified by school. Reporting a debt that was never validly disbursed or used is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) ss602,609, and 611. 

I am requesting that XXXX provide documentation showing proof of my attendane, disbursement of funds, and a signed promissory note. If such documentation can not be provided, I demand that this account be permanently deleted from my credit report

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 2025-09-22 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that law
s and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX  - XX/XX/XXXX - {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX - {$5600.00} Inquiries : XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-22 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that law
s and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX  - XX/XX/XXXX - {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX - {$5600.00} Inquiries : XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to follow up on my prior dispute regarding unauthorized and inaccurate hard inquiries that continue to appear on my credit report. Despite my initial request, these inquiries remain unresolved : TransUnion - XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax - XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint Regarding Experians and Transunion 's Continued Reporting of Fraudulent Information To Whom It May Concern, I am submitting this formal complaint against Experian and Transunion for continuing to allow XXXXXXXX XXXX XXXX  to report late payments on an account that is closed and has already been disputed. I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter, and I demand that Experian and Transunion immediately cease reporting inaccurate and fraudulent information. 

I want to make clear : I am homeless, on public assistance, and suffering from XXXX XXXX XXXX XXXX. This unlawful reporting is causing further harm to my wellbeing. 

I have already conducted an audit with the Department of Treasury. 

I have taken back over my estate and act as Power of Attorney and Fiduciary of my estate. 


Your continued reporting violates multiple laws and protections, including but not limited to : Fair Credit Reporting Act ( FCRA ) : Failure to ensure maximum possible accuracy of consumer information and failure to properly investigate disputes. 

Uniform Commercial Code ( UCC ) : No valid contract or agreement exists binding me to this alleged account. 

General Accounting Principles ( GAP ) : You can not lawfully report or allow the reporting of invalid or fraudulent debts. 


I am putting Experian and Transunion on notice that if this unlawful reporting continues, I will be left with no choice but to pursue civil action for damages, violations of federal law, and willful negligence. 

I demand : 1. Immediate removal of the XXXX XXXXXXXX XXXX account and any related late payment history from my credit file. 


2. Written confirmation of this deletion within 15 days. 


3. A full record of Experians and Transunion investigation into this matter. 



Failure to comply will result in legal proceedings being filed.

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 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to follow up on my prior dispute regarding unauthorized and inaccurate hard inquiries that continue to appear on my credit report. Despite my initial request, these inquiries remain unresolved : TransUnion - XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax - XXXX XXXX  - XX/XX/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 non-monetary relief
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I was trying to purchase a home, and I've came across some things on my credit report that didn't belong to me I was a victim of identity theft, and my information was abused. I filed an identity theft report and am currently in the process of removing all these things that doesn't belong to me that is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Last month I wrote CFPB to have the middle name removed it XXXX., The address needed to be removed from my TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The employment is wrong XXXX XXXX XXXX XXXX Also XXXX XXXX is third party they can not send any information about this on my credit.. It must be removed ASAP..

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