vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am requesting immediate CFPB intervention regarding Chases mishandling of my credit card dispute. Chase filed my dispute incorrectly, refused to correct its own error, and is now attempting to hold me financially responsible for a transaction involving fraud and material misrepresentation by XXXX. 
I booked a hotel in XXXX XXXX through XXXX that was severely and dangerously misrepresented. The property had tarantulas scaling the building, 80 % of restaurants closed, and staff handling food with bare hands. I escalated the issue to XXXX, who never responded. The hotel promised a full refund and instructed me to staythen failed to submit the refund. 
I provided Chase with extensive evidence documenting the misrepresentation, unsafe conditions, and the hotels written assurances. Chase has admitted that they submitted the dispute under the wrong category ( services not rendered ) instead of fraud/misrepresentation, which is the accurate and supported basis. 
Because Chase submitted the dispute incorrectly, they now claim they are unable to correct it. This is unacceptable, contrary to Regulation Z, and represents a failure to follow required consumer dispute protections. 
Chases actions caused direct financial harm, and the bank is now improperly attempting to hold me liable due to its own errornot mine. 

I am requesting that the CFPB require Chase to : ( 1 ) Immediately issue my refund.

( 2 ) Properly reclassify the dispute under the correct basis of fraud/misrepresentation.

( 3 ) Conduct a proper review of all evidence I submitted, which Chase failed to do.

Retrain or discipline the employee who submitted the dispute incorrectly, as well as the individuals in their fraud department who claimed to review this matter but clearly did not.

( 4 ) Provide written confirmation that corrective measures have been implemented. 

Chases refusal to correct its own clear mistake, combined with its failure to review the evidence and failure to follow federal dispute procedures, is unacceptable and requires immediate regulatory action. 

I am not paying for XXXX fraud and Chases wrongful handling of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts that have been inaccurately reported and would like these issues resolved as soon as possible. 

CHARGED 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: OH

Complaint narrative:
I received a {$700.00} loan from XXXX XXXX XXXX Moose Lending LLC. After signing, I reviewed the Truth in Lending disclosure and discovered the Annual Percentage Rate ( APR ) listed as XXXX %, with a total repayment amount of {$2500.00}. This greatly exceeds XXXX legal lending limits under the Ohio Short-Term Loan Act and Small Loan laws, which cap APR at XXXX  % ( or XXXX % under other usury statutes ). 

The loan required XXXX payments of approximately {$200.00} each, starting on XX/XX/XXXX and ending on XX/XX/XXXX. I did not understand that the loan carried an APR near XXXX %, and this was not clearly disclosed to me in a way I could reasonably understand before signing. 

Once the loan began, the high payment amounts caused financial hardship. I attempted on multiple occasions between XX/XX/XXXX and XX/XX/XXXX to request assistance and reasonable payment arrangements. Instead of helping, the lender encouraged multiple extensions, which added more fees and made it impossible to pay down the balance. 

This loan appears to violate XXXX interest rate caps, licensing requirements, and prohibitions on excessive fees and rollovers. I am requesting an investigation into this lenders practices and compliance with Ohio lending laws, as well as relief related to any illegal fees or interest charged. 

I can provide documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
Issue : Fraudulent account opened in my name despite all credit reports being frozen. 

I am reporting a fraudulent account that was opened in my name with XXXX on XX/XX/XXXX, even though my credit reports have been frozen with all three major credit bureaus ( Experian, TransUnion, and XXXX  ) for over XXXX year. I have not lifted, thawed, or temporarily unfrozen my credit at any time since summer XXXX. 

I first became aware of this fraudulent account when it appeared on my XX/XX/XXXX credit report. I immediately filed disputes with both TransUnion and Experian. Both bureaus responded stating that the information you disputed and the disputed information was VERIFIED AS ACCURATE. This is incorrect, and it is impossible that the account was legitimately opened because my credit was fully frozen at the time. 

I contacted XXXX directly to close the fraudulent account. They refused to cancel or close it unless I provided additional sensitive personal information ( including specific identifiers that could further compromise my identity ). Because this account was fraudulently opened, I refused to provide them with more personal data. XXXX then refused to close or remove the fraudulent account. 

This situation is causing ongoing harm to me, including : An unauthorized account reporting on my credit file Inaccurate information being repeatedly verified Exposure to potential additional identity theft Inability to resolve the issue directly with the company I believe XXXX failed to follow proper identity verification procedures before opening the account and is now obstructing my attempts to correct fraudulent information. I also believe the credit bureaus failed to appropriately investigate my disputes.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end

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 2025-11-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am submitting this statement to dispute certain accounts that I believe to be inaccurately reported or incomplete in my credit report. These accounts have been identified as " charged off, '' contain inaccurate late payment entries, or have inquiries that do not belong to me. I request that these items be thoroughly investigated and corrected. Below is a breakdown of the disputed accounts, separated by bureau. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-17 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: OH

Complaint narrative:
Im filing this complaint because Ive now disputed the same issue twice with the credit bureau, and my personal information is still not being corrected. Im honestly frustrated at this point because Ive already provided proof of my correct address, and yet my credit report from XX/XX/year> is still showing multiple old and incorrect addresses and even one being shown as my current address when it isnt. 
I really dont understand how this wasnt fixed the first time. Accurate personal information is the foundation of a correct credit file, and this is something the bureau is required to maintain under the FCRA. I gave everything needed to verify my current address the first time, but my file is still wrong. 
Heres whats still showing on my report that should not be there : Addresses that should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already provided proof of this address in my initial dispute.

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 2025-11-17 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: MD

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$410.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX  Date : 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  Positive Accounts No positive accounts listed for Equifax. 

Late Payment Accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Credit card payment of {$110.00} made on XXXX Due date XXXX  Comenity Bank cleared payment on XXXX then charged a {$30.00} late fee Disputed this with a phone call with no results Comenity Bank XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I attempted to make two cash deposits using the ATM located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( the left machine out of the two available ). 

The first transaction was completed at XXXXXXXX XXXX, successfully depositing {$2700.00} in cash using my Capital One debit card. I received a receipt for this transaction. 

Immediately after, I proceeded with a second deposit of {$5000.00} in {$100.00} bills. During this transaction, the ATM experienced a jamming issue, displayed an error message, and the deposit failed without providing any receipt. After the error, I checked my account and printed a balance inquiry receipt, which showed that the {$5000.00} was not deposited. 

I also confirmed that the next customer was able to use the ATM, so the machine did not shut down after the error. 

I reported the issue to Capital One customer service right away and filed a claim. My claim number is XXXX. 

I was told the issue would be resolved as quickly as possible ; however, I still have not received any deposit for the missing {$5000.00}. 

The following day, I visited the same branch to report the issue in person, but I was told that the branch does not have authority over ATM investigations and that I needed to wait for the internal review. 

Both Capital One customer service and the branch staff confirmed that they can review security camera footage to verify the deposit attempt. 

I am aware that ATM cash retrieval and verification typically does not take long. For example, in a previous similar incident with XXXX, the issue was resolved the very next day. 

Given the amount of time that has passed and the availability of verification tools such as ATM logs and security camera footage, I am requesting immediate assistance to resolve this matter and recover the missing {$5000.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my credit report. Below are the accounts in question, separated by bureau. 

Charged Off : XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3200.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$5300.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2400.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$68.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$110.00} XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3600.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief