vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$1400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute  Unauthorized Hard Inquiries  FCRA & Metro 2 Compliance \nDemand\n \nTo Whom It May Concern,\n\nThis is a formal dispute under the Fair Credit Reporting Act (FCRA) regarding unauthorized hard inquiries appearing on my consumer report. The inquiries in question do not meet the FCRAs permissible purpose standard under:\n\nFCRA  604(a)(3) [15 U.S.C.  1681b]  No person may access a consumer report without a permissible purpose, such as a consumer-initiated credit transaction.\n \nFCRA  607(a) [15 U.S.C.  1681e(a)]  Credit reporting agencies must maintain strict \nprocedures to ensure inquiries are made only for legitimate purposes.\n \nThe following inquiries are unauthorized and unverified, and I demand their immediate deletion:\n \n \n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAs per Metro 2 Compliance Guidelines, any inquiry that lacks a valid, documented permissible purpose initiated by the consumer must be suppressed and deleted under the Inquiry Type Code H (Hard Inquiry) if disputed.\n\nAdditionally, your continued reporting of these inquiries after my dispute constitutes:\nWillful noncompliance under FCRA  616 [15 U.S.C.  1681n]  Subject to statutory \ndamages of up to $1,000 per violation.\n \nNegligent noncompliance under FCRA  617 [15 U.S.C.  1681o]  Liable for actual \ndamages, court costs, and attorney fees.\n \nACTION REQUIRED:\n\n1. Delete all unauthorized inquiries immediately.\n\n2. Provide written confirmation of deletion.\n\n3. Include the name and permissible purpose used by the furnisher for each inquiry, as \nrequired by FCRA  609 [15 U.S.C.  1681g].\n\nIf these inquiries are not removed within 15 days, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the Office of the State Attorney General, and I will pursue civil legal action under FCRA  616 and 617.\n\nYou are now officially on notice. Noncompliance will result in further legal escalation.\n\nSincerely,\n\nOweeda Newton\n\nCopy of ID and Utility Bil'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against HUNTER WARFIELD regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  Balance : {$4000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with HUNTER WARFIELD but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint to report several inaccurate, unverifiable, or unresolved credit entries appearing on my consumer credit report. Despite prior efforts to dispute these items, they remain on my report without sufficient verification or correction, violating my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : XXXX ( Account Ending XXXX ) Listed as charged off with a balance of {$1300.00}, opened XX/XX/XXXX. The charge-off remains on file despite my disputes and a lack of documentation validating the amount or status. 

XXXX XXXX  XXXX Account Ending XXXX ) XXXX late payments on a {$710.00} balance, opened XX/XX/XXXX. This tradeline is inaccurate and unsubstantiated. 

XXXX XXXX XXXX ( Account Ending XXXX ) Reports a charge-off on a {$33000.00} loan from XX/XX/XXXX. Disputes regarding this tradeline have not been adequately investigated or resolved in accordance with FCRA 611. 

XXXX XXXX Account Ending XXXX ) Charged off {$1500.00} account opened on XX/XX/XXXX. Information provided is insufficient, and I have not received debt validation despite multiple requests. 

XXXX  ( Account Ending XXXX ) A collection for {$940.00} opened on XX/XX/XXXX. This is a future-dated tradeline, which suggests improper or automated entry without oversight. The account remains unverifiable. 

XXXX XXXX XXXX ( XXXX ) Collection account for {$1200.00} opened on XX/XX/XXXX. Furnisher failed to provide validation or documentation substantiating the alleged debt. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection tradeline opened XX/XX/XXXX, also future-dated and without a listed balance. This entry appears to be erroneous or entered without proper adherence to FCRA accuracy standards. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection of {$700.00} opened on XX/XX/XXXX. No verification has been supplied, and the account continues to harm my credit unjustly. 

Harm and Violations : These tradelines are harming my credit profile and contributing to denials of credit and other financial services. They appear in violation of FCRA 602, 604, 607 ( b ), 611, and 623, due to lack of proper validation, duplicative or incorrect reporting, and failure to complete reinvestigation. The presence of future-dated entries further demonstrates systemic noncompliance. 

Relief Requested : I request immediate reinvestigation and removal of any unverified, inaccurate, or duplicative accounts, written confirmation of corrections, and assurance that my FCRA rights will be honored in the future. 

If not resolved, I will pursue further complaints with the FTC, State Attorney General, and additional legal options.

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 2025-05-29 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: TX

Complaint narrative:
I am filing this complaint to report several inaccurate, unverifiable, or unresolved credit entries appearing on my consumer credit report. Despite prior efforts to dispute these items, they remain on my report without sufficient verification or correction, violating my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : XXXX ( Account Ending XXXX ) Listed as charged off with a balance of {$1300.00}, opened XX/XX/XXXX. The charge-off remains on file despite my disputes and a lack of documentation validating the amount or status. 

XXXX XXXX  XXXX Account Ending XXXX ) XXXX late payments on a {$710.00} balance, opened XX/XX/XXXX. This tradeline is inaccurate and unsubstantiated. 

XXXX XXXX XXXX ( Account Ending XXXX ) Reports a charge-off on a {$33000.00} loan from XX/XX/XXXX. Disputes regarding this tradeline have not been adequately investigated or resolved in accordance with FCRA 611. 

XXXX XXXX Account Ending XXXX ) Charged off {$1500.00} account opened on XX/XX/XXXX. Information provided is insufficient, and I have not received debt validation despite multiple requests. 

XXXX  ( Account Ending XXXX ) A collection for {$940.00} opened on XX/XX/XXXX. This is a future-dated tradeline, which suggests improper or automated entry without oversight. The account remains unverifiable. 

XXXX XXXX XXXX ( XXXX ) Collection account for {$1200.00} opened on XX/XX/XXXX. Furnisher failed to provide validation or documentation substantiating the alleged debt. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection tradeline opened XX/XX/XXXX, also future-dated and without a listed balance. This entry appears to be erroneous or entered without proper adherence to FCRA accuracy standards. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection of {$700.00} opened on XX/XX/XXXX. No verification has been supplied, and the account continues to harm my credit unjustly. 

Harm and Violations : These tradelines are harming my credit profile and contributing to denials of credit and other financial services. They appear in violation of FCRA 602, 604, 607 ( b ), 611, and 623, due to lack of proper validation, duplicative or incorrect reporting, and failure to complete reinvestigation. The presence of future-dated entries further demonstrates systemic noncompliance. 

Relief Requested : I request immediate reinvestigation and removal of any unverified, inaccurate, or duplicative accounts, written confirmation of corrections, and assurance that my FCRA rights will be honored in the future. 

If not resolved, I will pursue further complaints with the FTC, State Attorney General, and additional legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
CFPB Complaint Narrative JPMorgan Chase Bank , N.A . 
Associated CFPB Complaint ID : XXXX This complaint is submitted in good faith by XXXX XXXX XXXX XXXX Authorized Representative of XXXX. XXXX XXXX, to formally report fraudulent, deceptive, and misleading practices by JPMorgan Chase Bank , N.A . ( Chase ), specifically related to the unauthorized reclassification, concealment, and misrepresentation of multiple credit card accounts originally issued as business accounts. 

The supporting exhibits demonstrate clearly that Chase deliberately reassigned accounts originally issued under the name XXXX. XXXX XXXX to personal accounts labeled " XXXX XXXX '' during active dispute proceedings. This appears to be a calculated attempt to avoid legal accountability, obscure transaction histories, and circumvent chargeback eligibility protections. 

Exhibits provided include : Exhibit A Screenshot evidencing a {$16000.00} reversal transaction posted on XX/XX/XXXX, significantly predating the cards stated issuance date of XX/XX/XXXX, originally attributed to business card ending XXXX. 

Exhibit B Image of Business Card ending XXXX, newly issued on XX/XX/XXXX, showing a - {$10000.00} on XX/XX/XXXX at XXXX PM Exhibit C Statement for Business Card XXXX dated XX/XX/XXXX, reflecting a balance of {$7000.00} immediately before its removal from Chase 's online account interface without explanation or disclosure. 

Exhibit D Screenshot of newly issued Card XXXX ( business card ) with retroactively dated statements, falsely suggesting a continuous history despite its confirmed issuance on XX/XX/XXXX. 

Exhibit XXXX Screenshot depicting personal account labeled " XXXX XXXX XXXX, '' incorrectly designated as a replacement card on XX/XX/XXXX. No such personal card previously existed nor was ever issued or possessed by the claimant. 

Exhibit F Duplicate confirmation image clearly verifying the issuance of Business XXXX XXXX with backdated transaction records, despite confirmed issuance in XX/XX/XXXX. 

The provided evidence strongly suggests a deliberate, systematic pattern of account manipulation by Chase Bank, carried out in an effort to evade accountability for previously disputed charges and transactions. These actions by Chase are materially deceptive, constitute misrepresentation, and likely violate applicable banking regulations and consumer protection statutes. 

Accordingly, I respectfully request the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into these practices, compel Chase to explain these reclassifications and retroactive statement activities, and mandate appropriate corrective measures and enforcement actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: UT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I filed a dispute with Chime on XX/XX/scrub>, 2025, for a fraudulent charge of {$72.00} involving the purchase of a XXXX XXXX XXXX. I did not authorize this transaction. I also contacted the merchant, and they directed me to file the dispute with my bank. 

On XX/XX/XXXX, Chime denied my dispute. I believe they failed to conduct a proper investigation as required under Regulation E, and they did not provide me with any meaningful explanation or evidence justifying the denial.

I have now submitted a formal request for reinvestigation, and I am requesting the CFPBs assistance to ensure that Chime follows proper regulatory procedures and reconsiders this dispute based on the facts.

I am seeking a refund for the fraudulent charge and a full explanation of the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Self Financial Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unautnorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-05-29 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau to report multiple inaccurate and potentially unverifiable derogatory accounts listed on my credit report. Despite my efforts to dispute these accounts directly with the credit reporting agencies, they remain unresolved. The reporting of these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), particularly concerning accuracy, verification, and reinvestigation. 

Disputed Accounts : XXXX XXXX Account # XXXX Reported as a charge-off with a high balance of {$560.00}, opened on XX/XX/XXXX. I have no recollection or documentation of this account and dispute its accuracy. I have requested validation from the credit bureau, which has not been adequately provided. 

XXXX  XXXX Account # XXXX Shows late payments on a {$270.00} account opened on XX/XX/XXXX. This account is reported as delinquent despite being newly opened, which indicates either erroneous or premature reporting. 

XXXX Account # XXXX Listed with late payments on a {$21000.00} account opened XX/XX/XXXX. I dispute the accuracy of this information and have not received a substantiated payment history supporting this delinquency. 

XXXX XXXX Account # XXXX Reported as charged off for {$18000.00}, opened XX/XX/XXXX. I have not received validation of this account, nor does it match any legitimate transaction or loan that I have entered into. 

XXXX XXXX XXXX Account # XXXX This account shows late payments on a {$43000.00} balance, opened XX/XX/XXXX. The reporting is inconsistent and lacks verifiable documentation. I have attempted to dispute this item, but the issue remains unresolved.

Violations and Harm : The presence of these inaccurate accounts on my credit report has resulted in multiple denials of credit, higher interest rates, and emotional distress. The continued reporting of potentially unverifiable accounts violates FCRA 607 ( b ) ( maximum possible accuracy ), 611 ( reinvestigation of disputed information ), and 623 ( duties of furnishers ). I believe these tradelines are either inaccurate, outdated, or unverifiable, and should not remain on my report without full substantiation.

Requested Resolution : I request that the CFPB initiate a review and require the credit reporting agencies and furnishers to : Conduct a full reinvestigation of each disputed account Provide documentation from the original creditor verifying the validity of each tradeline Remove or correct any unverifiable, inaccurate, or incomplete items Issue an updated credit report reflecting all changes If unresolved, I intend to pursue additional legal remedies and file complaints with the FTC and my State Attorney General.

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