vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple inaccurately reported late payments that appear on my credit report. Equifax has listed several payments as late when, in fact, they were made on time and in full. These reporting errors have unjustly lowered my credit score and damaged my creditworthiness. It is unacceptable that such misinformation continues to appear despite the availability of accurate payment records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I contacted Chase Mortgage on behalf of my parents to refinance their home to pay off their credit card debt. I negotiated the loan terms with Chase to the point they had asked me to have my parents sign a Power of Attorney. I discussed it with my parents and since the loan terms were agreed upon buy my parents and Chase, I removed myself from further discussions. My father felt he could deal with the signing on his own. He became very confused as to why the signing was taking so long and called Chased repeatedly. Not really able to understand the process, he was confused during the numerous discussion with Chase. They finally set a signing date which fell on a Wednesday, but late Friday afternoon before the signing, Chase sent my father a new loan packet that had been changed significantly from the previous agreed upon loan documents, both the wording and the dollar amounts had been changed in value and location on the loan. My parents, not able to make all their credit card payments on time, felt it necessary to move forward with signing of the loan without challenging why it was changed at the last minute. Against my advice to wait and find out why changes were made, they went ahead with the signing because they didn't believe they could wait any longer. I did review the loan document before the signing and the changes made appeared to benefit Chase, Financially. My parents are aware of me pursuing this issue, but are afraid if I do, that Chase will create problems for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
I bank with chime and I had a XXXX  withdrawal that was taken from my Chime account when an insurance deposit was made. The deposit was from Tennessee XXXX on XX/XX/year> for an insurance claim, not from my employer or payroll source. 
Because these funds were not wages or income, I requested that they review the transaction and issue a refund of the amount withdrawn to repay XXXX. 
I attached proof of the deposit source. It's also states on chime policy it states While a " Qualifying Direct Deposit '' ( from an employer or government benefits ) is the primary method of repayment, Chime 's terms allow them to debit funds from any deposit if your balance is not paid off after 36 days from your last advance. and it has not been 36 days not even one day And the supervisor that I spoke to was very rude when I asked to speak to someone else she hung

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am disputing the accuracy of the following entries on my TransUnion credit report. These items contain errors and incomplete data that do not meet the standard of maximum possible accuracy required under 1681e ( b ). 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reports Charge-Off/Collection with an active balance of {$1400.00}. 
A charge-off can not legally continue to accrue a balance once loss is declared. 
Requested Action : Delete this account for inaccurate reporting. 
XXXX. XXXX Account # XXXX XXXX XXXX with {$4200.00} past due. 
No Date of First Delinquency ( DOFD ) and inconsistent charge-off date. 
Requested Action : Delete due to incomplete and unverifiable reporting. 
XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off/Collection and Closed due to inactivity. 
These statuses contradict each other. 
Requested Action : Delete for conflicting data under 1681e ( b ). 
XXXX. XXXX  XXXX XXXX Account # XXXX Status : Charge-Off/Collection, balance {$1600.00}. 
Conflicting last payment and last active dates. 
Requested Action : Delete or correct to {$0.00} closed if verified. 
Personal Information Correction : Keep : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Remove : XXXX XXXX XXXX XXXX XXXX IN XXXX and XXXXXXXX XXXX XXXX XXXX  IN XXXX Remove outdated employers : XXXX XXXXXXXX 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 2025-10-29 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:
Identity Theft Request to Block Fraudulent Accounts under FCRA 605B I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent account was opened without my knowledge or authorization : TXXXX XXXX XXXX XXXX XXXXXX/XX/year> ( Account # : XXXX ) As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-29 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: MA

Complaint narrative:
On my credit report with Experian, I saw a new credit card account open under my name with XXXX XXXX XXXX, which I did not apply for. I called the banks fraud department, they said theres no active account under my name nor social security number. I then filed a dispute with Experian to remove this account from my report. However, after a month of processing, Experian got back to me and said the account information is accurate. I called XXXX XXXX XXXX again, they confirmed theres no credit card account under my name, which disagrees with the dispute result Experian has provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Self Financial Inc.
State: PA

Complaint narrative:
A Self Secured Credit Card account was reported in my name without my authorization. I never applied for or opened this account. When I filed a complaint, Selfs response only repeated account details ( dates, APR, closure reason ) but did not provide any proof that I personally opened or consented to this account. They said I agreed to terms no I did not! How dare you make an accusation like that.

This violates the Fair Credit Reporting Act ( FCRA ) because : Under 609 ( e ), the company must provide documentation verifying the identity used to open the account when disputed as fraudulent.

Under 611, they must conduct a reasonable investigation. Simply restating account information is not a valid investigation.

Under 623 ( b ), furnishers are prohibited from continuing to report information they can not verify as accurate.

I am requesting the CFPB to compel Self Financial to : Permanently delete this account from my credit report at all three credit bureaus. If I dont get a proper response I will file additional reports with the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ) ( as Lead Banks regulator ), and my state Attorney Generals Office to escalate this matter.

I attached one letter they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XXXX XXXX I received a chime fraud Alert text message. I have received this message before, so it wasn't unusual to me. It asked me if I had made a transaction.Yes, or no, it included a specific area that the transaction was made in. This transaction wasn't me, so I replied, no. After that, it said thank you for confirming.You 'll receive a call shortly. Then, I got a call, and they answered as if they were Chime Bank. They knew my name.They knew my phone number.They knew my email, and they knew the last four of my social. They said my account needed to be locked down that there was fraudulent activity on it. They talked me through how to ensure my funds were safe and said that my account was hacked through a XXXX XXXX account as well. They said my account in my cards would be locked that way nobody else could get into it to steal any more of my money. They even sent a code to my email and a text message code to my phone to confirm that it was me. Chime also, does this when they've talked to me about my account in the past so i didnt suspect anything. They told me that I needed to create a new account that they would be doing that for me and moving my funds to the new account. They talked me through how to move my funds to the new account and told me that they would finalize it after I got my paycheck. They said that they couldn't finalize it prior to getting my deposit, because it would mess up my deposit and I wouldn't get my check when I was supposed to. They also knew and told me when I got paid, just like chime tells you in the app. It was as if they had my app open to my bank account and looking at it with me. So after I got off the phone with them and all of my funds were moved to my new account, they even sent me another text message. Asking me for a review of my phone call with a survey. I would have never guessed that this wasn't chime. I didn't know that it wasn't chime until on thursday morning the XXXXWhen I got my paycheck into my account and I didn't have access to the new funds like they told me I would in my new account. So I immediately sent a message to the chime center to talk to someone. They got me through to someone and called me. Immediately and told me that that was not them. That they would file a dispute, and I could input information on my app to help my case. I went and filed a police report and sent that information on the chime app. I also sent them screenshots of every text message.I received from the places claiming to be the bank and the phone numbers that called me. Today, on XXXX XXXX XXXX  I got an email saying that my dispute was denied that they found no fraudulent activity on my account. I tried to call them again to get information about why it was denied.And to try and set up a new dispute that way, it could be further investigated.And they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am promised accuracy in my report based on federal law. I am filing this complaint as another attempt to have these errors corrected on my report. 
Under 15 U.S.C. 1681 all errors must be promptly removed.

b ( e consumers must be given the option to opt out of such offers ).

As you can see in your system you can not verify and validate this information so I request that you remove it immediately.

According to 15 USC 6802 also Code USC 15 6803 and 15 USC 1681b I did not give any written permission to share any of my personal information.

Company response to consumer: Closed with explanation