vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/year> I was taken in by an employment scam during which I deposited a check into a Chase account. During this process I realized what was going on and immediately contacted Chase Fraud Department to tell them what was happening and that the check that was done through mobile deposit was almost certainly a fraudulent check and that it should be taken care of so that it was longer on my account. Instead the representative that I spoke with did the claim as an incorrect amount deposit, that is not what I told them. Later the check was claimed by the bank that it came from, I assume, and when the amount was taken out Chase closed my account and I was told there was a cashier 's check coming with the remaining balance that was in the account. It is XX/XX/year> and I got a mailing from Chase that I assumed was the cashier 's check, it was in fact a statement for the account that was closed. I called and spoke with a XXXX who told me Chase had cancelled the cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, I have been in contact with Capital One about a transaction with online store XXXX. Wrong item was sent and we could not reach their support for return info. Capital one representatives were saying they do not what info is missing in my claim, and sending me blanket statement that something is missing. Please see my last message to them attached along with the order. We never got invoice, and it's not available on their website either. I am able to share any docs with you- just let me know. It's been a waste of my time and so much stress communicating about such a simple issue. I did not feel like XXXX XXXX is protecting my consumer rights in a bit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> I received a visa card with Chime branding in the mail. It is a full card, made of plastic material with a real-appearing card number on it and a real chip and a QR code to scan to activate it. So, it is not a fake card for marketing purposes. As I had never used any Chime product before, this is fraud. Someone has opened an account and ordered a card using my information without my permission. As such, I called Chime, and they were not helpful. They refused to provide me any information whatsoever relating to this account, even when citing that as I understand it federal law requires them to do so. I tried calling 2 more times later and was not able to get through to a person. The fine print on this card states that it was issued by The XXXX XXXX XXXX, a XXXX  provider and the real regulated entity here. As such, I attempted to contact them thinking that they may be more likely to comply with the law, as a regulated entity. But, I was unable to get through to any person at this company. Instead, I was transferred to Chime by the automatic system and presented with an identical phone tree menu as when calling Chime directly. I tried to get the automatic system to get me into contact with a person, but I was blocked at every option in the phone tree from doing so. I am extremely alarmed that a non-regulated entity is handling regulated duties such as accepting fraud reports, with no option to contact the regulated entity.

In the documents upload, I have included my notes written during the process, including during the calls with Chime and attempted calls with XXXX and Chime. I have also included a picture of the card and materials that I received in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am submitting this complaint because Equifax has repeatedly failed to properly reinvestigate and correct an inaccurate late payment being reported on my credit file by XXXX XXXX Account No. XXXX. I first disputed this error on XX/XX/year>, and sent a follow-up notice on XX/XX/year>. 
Equifax has not provided any documentation, verification, or supporting evidence proving that the late payment they continue to report is accurate. They also failed to provide details of their reinvestigation or identify the furnisher who allegedly verified the information. This violates the Fair Credit Reporting Act, including Equifaxs obligations under 15 U.S.C. 1681i to conduct a reasonable reinvestigation and remove unverifiable information. Since Equifax has been unable or unwilling to obtain verification from XXXX XXXX, federal law requires the deletion of the disputed information under 1681i ( a ) ( 5 ) ( A ). Equifaxs continued reporting of this unverified late payment has caused ongoing harm to me and demonstrates negligent or willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Fraudulent check deposit into Chase Bank account then money was sent to someone via XXXX. This was all done with my cell phone which was stolen the afternoon before. Police report was sent to XXXX, dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not open this account. I do not recognize this account. This account needs to be removed immediately.

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 2025-12-03 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian has repeatedly failed to conduct a lawful reinvestigation of the inaccurate information on my credit file. This is now my third dispute, and Experian continues to report false and unverified information, including inaccurate late payments and an incorrect address that does not belong to me. 

In each of my prior disputes, Experian did not mail any dispute results, did not provide a Method of Verification, did not identify who verified the information, and did not describe how the reinvestigation was conducted. These failures violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681e ( b ). Experian also reported information I never gave written consent for them to store or distribute, even though they are a private reporting agency. 

Experian continues to report false XXXX-day, XXXX-day, and XXXX-day late payments on multiple accounts ( XXXX XXXX, XXXX, and XXXX XXXX. These items are unverified and inaccurate, yet Experian refuses to delete them. Experian has also failed to remove an incorrect addressXXXX XXXX XXXX # XXXX my repeated mailed disputes. None of these entries have been properly investigated, validated, or corrected. 

Experian has repeatedly ignored my prohibition on automated processing. They continue to rely on automated systems such as e-OSCAR and Metro 2 rather than conducting the required manual reinvestigation. I specifically requested a full manual review in writing, and Experian ignored this request. Instead of providing proper dispute results, they continue to send generic automated updates that do not address the issues. 

I also requested a full Method of Verification ( MOV ), including documentation, the identity of the verifier, and proof that my creditors supplied accurate information. Experian did not supply any of this. 

Their repeated failure to correct inaccurate information, failure to conduct a reinvestigation, and failure to provide dispute results constitute willful and negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 1681o. 

I am requesting that the CFPB require Experian to : Conduct a full manual reinvestigation ; Delete the inaccurate late payments from XXXX XXXX, XXXX, and XXXX ; Remove the incorrect address ; Provide a complete Method of Verification ; Cease using automated verification methods in my disputes ; Provide written confirmation of corrections. 

Experian has not complied with federal law in any of my disputes, and their continued refusal to correct or remove inaccurate information is harming my creditworthiness and violating my consumer rights.

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 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding a debt they are reporting on my credit file that does NOT belong to me.

IQ Data is reporting a collection account for {$8200.00}, but I have no knowledge of this debt, have never received any documentation proving it is mine, and I have repeatedly requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ).

Despite my written requests, IQ Data has, Failed to provide any validation of the alleged debt, Continued to report the account to the credit bureaus without verification.They are knowingly furnishing inaccurate and unverified information and causing harm to my credit profile. which violates the Fair Credit Reporting Act ( FCRA ) .Despite my written requests, IQ Data has, Failed to provide any validation of the alleged debt, Continued to report the account to the credit bureaus without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX Department of Financial Services Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request to Reopen Complaint Incorrect Information Provided by M & T Bank DFS Case Number : XXXX Dear Consumer Assistance Unit, I am writing to request that you reopen my complaint against M & T Bank regarding an unauthorized ACH withdrawal of {$13000.00} from XXXX Operating. The banks response to DFS contained factually incorrect information that directly affected the Departments ability to review my complaint accurately.

1. M & T incorrectly reported that I authorized the transaction.

M & T informed DFS that I authorized this ACH withdrawal. This is false. The only reason the claim ever reflected authorized was because the initial dispute was filed inaccurately by the bank. I contacted M & T immediately to correct this error.

2. M & T acknowledged receiving my correction but did not update the claim.

In letters dated XX/XX/year> and XX/XX/year>, M & T confirms they received my XX/XX/XXXX request to reopen the dispute and my XX/XX/XXXX correspondence correcting the mistaken authorized designation. Despite this, the claim was never corrected.

3. The banks investigation is invalid because it relied on incorrect information.

M & T denied my dispute solely on the basis of the incorrect authorized entry, which contradicts the information I provided and attempted to correct. Because they did not update the claim, their investigation was incomplete and inaccurate.

4. DFSs determination relied on the banks inaccurate information.

Because M & T provided misleading information, DFS concluded that the bank appeared to follow proper procedures. However, proper procedures were not followed, as M & T failed to correct the claim, misrepresented my statements, and did not accurately investigate the unauthorized transaction.

I respectfully request that DFS : Reopen my complaint, Require M & T to correct the claim record, Ensure the bank conducts a proper reinvestigation using accurate information, and Obtain documentation showing how the incorrect authorized entry was added.

Thank you for your attention and assistance. I am requesting review due to the banks failure to provide truthful and accurate information in their response to DFS.

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 2025-12-03 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

This is the only address that should show on my credit report. 

Please update my name to : XXXX XXXX XXXX. This is the only name that should show on my credit report.

My only and correct Date of Birth : XX/XX/year> My SS # : XXXX My only Telephone : ( XXXX ) XXXX. I do not wish to have any other telephone numbers on my credit report.

Please remove all the other addresses off my credit report as they are not deliverable to me by the U.S. post office. They are not reportable as per the FCRA since they are inaccurate. Therefore, it must be removed immediately.

I demand my social security number and date of birth removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected consumer and i have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2025-12-03 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CFPB COMPLAINT STATEMENT IDENTITY THEFT & CHASE BANK MISCONDUCT I am a confirmed identity-theft victim, supported by official documentation from the XXXX XXXX XXXX XXXX Data Breach Settlement , which shows that my full personal information ( SSN, DOB, address, phone, email, etc. ) was stolen. Despite this proof, Chase refused to refund multiple unauthorized transactions on both my personal and business accounts.

Chase never provided any evidence to justify their denial of my fraud claims. They did not provide required documentation, including : IP address logs Device IDs Call recordings Authorization records ACH XXXX XXXX authentication logs Login timestamps Denying my claims without providing evidence violates multiple federal laws, including Regulation E, FCRA 611, FACTA, and OCC banking requirements.

Chase also furnished fraudulent negative information to the credit bureaus ( late payments, chargeoffs, derogatory marks, closedaccount notations ). All of this reporting resulted from identity theft, making their reporting a direct violation of FCRA 605B, 602A, and 623 ( a ) ( 6 ).

In addition, Chase restricted or closed accounts, reduced credit lines, and caused significant financial harm to both my personal finances and my business. These actions clearly violate CFPB UDAAP standards ( Unfair, Deceptive, and Abusive Acts and Practices ).

Company response to consumer: Closed with explanation