vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AL

Complaint narrative:
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$380.00} XXXX Account charged off. {$240.00} written off. {$280.00} XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$740.00} I need all account removed immediately because its been past XXXX business days according to FCRA USC 1681C-2 block and delete from all bureaus. If not I will seek legal civil actions against all bureaus including CFPB. Please remove them Thanks XXXX XXXX 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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I dont know what happened. They closed my account I work for XXXX different jobs and all my money goes to chime. Now I have to cancel everything and I have no understanding why as they said they can not give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-03 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I received a notification of a {$950.00} charge on my credit card from XXXX XXXX. At that exact time, I was on a cruise in Alaska, making it physically impossible for me to have picked up this order. Within 10 minutes of receiving the notification, I reported the charge to Chase Bank, stating that I did not authorize it. Immediately afterward, I changed my email and password because I was also receiving large volumes of spam emails, indicating my email account had been compromised. 

I contacted XXXX XXXX to obtain order details. The order information showed that the item was picked up on XX/XX/year>, in XXXX XXXX, NJ. Since I was still on my cruise in Alaska, I could not have picked up this order, proving that the transaction was fraudulent. 

Furthermore, the email associated with the order was XXXX, which is not my email. My actual email at the time was XXXX, which had been compromised and leaked, likely enabling this fraudulent activity. I have attached : A XXXX  of my cruise itinerary showing I was in Alaska during the pickup. 

Screenshots of the XXXX XXXX order showing the pickup date and the incorrect email. 

Screenshots of the spam emails I received immediately after the fraudulent charge, with timestamps. 

Despite providing this clear evidence, Chase denied my fraud claim. The transaction was unauthorized, occurred while I was physically unable to pick up the order, and was placed using an email that does not belong to me. I request that this fraudulent charge be fully reversed and recognized as unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am requesting the removal of 1 fraudulent account from my credit reports with Experian, Please review my supporting documents and remove the account that was fraudulently added to my credit profile.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-09-03 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX - Incorrect Personal XXXX XXXX XXXX XXXXXXXX XXXX - Incorrect XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX- Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-03 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: MI

Complaint narrative:
XXXX 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 All of the above references are fraudulent inquiries. Section 605B of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on the consumers credit report if consumer claim it was a result of identity theft credit reporting agencies must block information within four days of receiving this information failure to respond with deletion of the above reference accounts and send out a free copy of my credit report will result in legal action being taken against your company for which I will be seeking 1000 per violation for : Definition of character Neglect enablement of identity fraud Section 1681EB of the fair credit reporting act Section 605B 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute multiple inaccuracies and harmful items being reported on my credit file. These errors are negatively impacting my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ) where applicable.

Issues Identified : Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1300.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$790.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$940.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1100.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$2000.00} ) These accounts are inaccurately reporting late payments. I dispute the validity of these entries, as they are not supported with verifiable evidence. Under FCRA 611 ( a ), I have the right to request reinvestigation and removal of unverifiable information. 

Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$580.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$660.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Opened : XX/XX/XXXX, Balance : {$13000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$600.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$290.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$800.00} ) These accounts are inaccurately reported as Charge-Offs and/or balances are incorrect. This is misleading, damaging, and a violation of FCRA 607 ( b ), as no outstanding debt or verification exists to support these statuses. 

Collections XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$740.00} ) This collection entry is being reported without proper validation of debt. Under FDCPA 809, debt collectors must provide written verification before reporting or pursuing collections. 

Hard Inquiries ( Unverified/Unauthorized ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear on my credit file without my authorization. According to FCRA 604, a permissible purpose is required for any inquiry. These unauthorized pulls of my credit profile violate my rights and harm my credit score. 

Requested Resolution : Immediate deletion of all inaccurate late payment entries.

Removal of misleading charge-off accounts unless fully verified. 

Deletion of unverifiable collection accounts. 

Removal of unauthorized and impermissible hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX Account # XXXX I received a notice in the mail dated XX/XX/year>, The notice reads as follows : Dear XXXX XXXX, We're notifying you that your account ( XXXX ) is under review due to inappropriate conduct with our employee ( XXXX ). 
Any further inapropriate conduct may impact servicing of accounts that you have with Chase or its affiliates. 

* * * I am a XXXX XXXX  with absolutely no qualms with Chase and/or any of its employees. I hardly ever bank in person and I have never been talked to by anyone at my local branch about said conduct. This is a threat and it's un founded. I will see that Chase is responsible for proving these allegations beyond a reasonable doubt or sue for damages but beforehand I want a full review of this matter by professionals in the field.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Michigan XXXX Date of Birth : XX/XX/XXXXXXXX  SSN ( Last 4 ) : XXXX  Telephone : ( XXXX ) XXXX Date : XX/XX/XXXXXXXX  Subject : Complaint Against Experian, Equifax, and TransUnion Failure to Correct Inaccurate Information and Ongoing FCRA Violations I am filing this complaint against Experian, Equifax, and TransUnion for repeated noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes beginning in XX/XX/XXXX, and most recently on XX/XX/XXXX, the credit bureaus have failed to remove or correct inaccurate and unverifiable items, nor have they provided any lawful documentation supporting continued reporting. 

Disputed Accounts and Inaccurate Information : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failures by the Credit Bureaus : Did not conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Did not provide the method of verification as required by 15 U.S.C. 1681i ( a ) ( 7 ) Did not ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) Did not provide documentation relied upon to verify disputed items

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 2025-09-03 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: NC

Complaint narrative:
I am reporting identity theft. Someone used my information to open accounts and/or trigger inquiries that I did not authorize. I've submitted a formal identity theft report under FCRA 605B. Despite that, the items are still reporting. I am now requesting that the credit bureaus block these items as required by law and ensure they are not reinserted.

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 2025-09-03 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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