vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Went to a strip club. Authorized a few transactions for XXXX XXXX XXXX, but later became semi-unconscious. When I fully regained attention I realized my card was charged XXXX XXXX XXXX and money was stolen from my wallet. I complained at the store but they just threatened and threw me out. I suspect they used pin I entered in initial transactions and my phone to authorize fraud transactions when I was unconscious. I remember authorizing {$13.00} for my drink and {$95.00} for the girl 's company but nothing else. All other charges after that are false. I am seeking an honest help here as a 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 monetary relief
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Im writing to dispute the accuracy of this account being reported on my credit file. I have never had any account or agreement with this collection agency, and they have not provided any proof that this debt belongs to me. 

Selling or transferring consumer debt without verified proof of ownership or consent is not allowed under consumer protection laws. This account is being reported illegally and without valid authorization. 

Im requesting a full review and deletion of this account from my credit report due to the inaccurate and unverified reporting. Please confirm once this account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
XXXX : Requested to close the account over the phone due to retirement and no longer traveling for work and card not needed anymore. Card was never activated. Request was declined. 
XXXX : Tried to activate the card online so the account could be closed-access declined online. 
XXXX : Tried to call Barclays Bank of Delaware ( XXXX XXXX ) to close the account again ( XXXX ) and was told by representative that they want me to mail a copy of : XXXX ). My passport, XXXX ). My drivers license, and XXXX ). my social security card. I told them I don't have means to photocopy and I believe this request is potential fraud and above and beyond what is necessary to close an account. Kindly Asked to speak with supervisor but request was declined and they hung up on me. 
There is a XXXX balance on the card and was never used and I was told by XXXX  that I had too many open credit cards and the ones not being used have been successfully closed over the phone or online except for this card.

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 2025-11-08 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include but may not be limited to Accounts in Dispute : 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base 25 ) compliance violation - The Account Status Metro 2 ( Base/17A ) compliance violation - Terms Duration Metro 2 ( Base/13 ) compliance violation - Portfolio Type Metro 2 ( Base/9 ) compliance violation - Date Open Metro 2 ( Base/10 ) compliance violation - Portfolio Type Metro 2 ( Base/8 ) compliance violation - Payment History Profile Metro 2 ( Field/18 ) compliance violation - Current Balance Metro 2 ( Base/12 ) compliance violation - ECOA Code Base/37 J1 & J2/10 - Last Payment Date Metro 2 ( Base/17 ) compliance violation - Special Comment Metro 2 ( Base/19 ) compliance violation - K1 Segment Metro 2 K1/3 - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA 605 ( c ) This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Equifax credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. Inconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: NM

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-08 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:
On XX/XX/year>, in the pursuit of finding a roommate for a hotel in XXXX, I was potentially scammed out of {$300.00} by an individual via me completing a XXXX XXXXXXXX XXXX XXXXXXXX payment via a linked card for my share of the room. There are a few details brought up by our interactions before the transaction that raised a few red flags that this could be a scam. I am attempting to resolve this myself to see if I could receive my money back. If there are any methods in which I can update this complaint, please let me know. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AZ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
No late payment allowed. Late payments are transactions and transactions are not permitted. 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 2025-11-08 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies on my credit report, which are adversely affecting my creditworthiness. Despite my efforts to resolve these matters directly with the reporting entities, the inaccuracies remain uncorrected. I request the CFPBs assistance in ensuring these errors are investigated and corrected promptly. 

The following entries are incorrect or unverifiable : Addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX These addresses are not associated with me. Reporting incorrect addresses is misleading and may constitute a violation of the Fair Credit Reporting Act. 

Late Payment / Account Inaccuracies : XXXX, Account # XXXX, High Balance : {$1100.00}, Date Opened : XX/XX/XXXX Reported as late payment. I have never made a late payment on this account. 

XXXX, Account # XXXX, High Balance : {$340.00}, Date Opened : XX/XX/XXXX Reported as late payment. I have never missed or delayed a payment. 
These entries are factually incorrect and must be corrected to reflect accurate payment history. 

Unauthorized / Questionable Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. Unauthorized inquiries negatively impact my credit score and constitute a violation of my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate or unverifiable information removed or corrected. I request that the CFPB investigate these matters with the relevant credit reporting agencies and furnish a response confirming that these inaccuracies have been addressed. 

I also request that any items which can not be verified or substantiated be deleted from my credit report immediately. 

Enclosed are copies of my identification and documentation supporting my claim. I expect a timely resolution and confirmation that these corrections have been made. 

Thank you for your prompt attention to this urgent 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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I experienced an unauthorized charge from XXXX XXXX on my card. My bank opened a fraud claim and issued a temporary credit while investigating. XXXX XXXX later canceled the order but never issued the refund. They told my bank that the refund was sent, but no refund was ever received in my account. XXXX XXXX has provided no proof, no receipt, and no refund confirmation. My bank further denied my claim even after reporting proof that there was no refund received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I found some hard pulls on my credit report that I don't recognize, have not been authorized by me and should be deleted. These are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-08 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: AZ

Complaint narrative:
This letter serves as my formal dispute regarding the reporting of one or more collection accounts appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The reported collection accounts are inaccurate, incomplete, and unverifiable. No original signed contract, itemized statement, or verifiable proof of ownership has been provided to substantiate this alleged debt or its continued reporting. Reporting unverifiable information violates FCRA 1681i ( Reinvestigation of disputed information ) and 1681e ( b ) ( Accuracy of report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: PA

Complaint narrative:
It was over 5 years there are so many things, i think the main thing is i was under difficulty of care act taking care of my mother and her boyfriend. Its a lonely place, [ he state of Pennsylvania is gambling state now, but the atm issue never a reimbursement, And they nee it but they didnt stop it. There are too many, questions! The atm fees is a big one never a reimbursement. I have so many issues with them. Chime my name is XXXX XXXX and the bank is chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter serves as written confirmation that I, XXXX XXXX, authorize the submission of this complaint and formally request the XXXX assistance in addressing the fraudulent reporting and mishandling of multiple accounts on my credit file by the major credit reporting agencies, with specific focus on TRANSUNION, EXPERIAN AND EQUIFAX VIOLATION OF THE FCRA. 

The following accounts are being reported fraudulently and opened in my name and confirmed in my official report. Dept. of the Treasury AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fraud Began : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Police Report Filed : Report # XXXX Dated XXXX XXXX Police Report Discovered : XXXX In ALL cases, I submitted all required documentation, including : Valid Government-issued identification Proof of current address Despite full compliance with FCRA 605B, these items remain on my reports. The agencies involved have failed to : Block and remove the fraudulent data as required by law Conduct reasonable reinvestigations ( FCRA 1681i ) Validate the accounts or inquiries ( FCRA 604 ( a ) ) Prevent duplicate or erroneous listings ( FCRA 1681e ( b ) ) These accounts have caused serious and ongoing harm to my credit, disrupted my access to financial resources, and subjected me to undue distress. The fraudulent nature of these accounts is clearly outlined in my dispute documentation and highlighted in red. Requested Resolution : Permanent deletion of all accounts from all credit reports. Written confirmation of full removal and assurance against reinsertion. A {$12000.00} for each inaccurate item reported and not deleted within XXXX business days pursuant to the FCRA AND monetary resolution for damages caused by negligent reporting, repeated noncompliance, and FCRA violations

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