vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I disputed transections with an offshore company that seems to be illegally operating two casinos under a XXXX XXXX. 

I had previously requested to be banned with the company in XXXX. That ban was in effect. 

I was able to make an account with the new social casino they made called XXXX. 

They were offering a contest to win {$100000.00} and extra benefits including a free bonus after I spent a certain amount When I lost a lot more than I intended. I contacted XXXX, and they closed my account without my permission. Stating that I had previously requested to banned. 

This prevented me from accessing any of the bonses I was entitled to or any of my contest winnings, set to be awarded on the XXXX. 

I asked for a refund and they refused. I asked the company for a refund and they told me customer service would send allow me to talk to the legal department. They ignored me. 

In summary, I was banned so they could avoid paying me the money I was owed. And avoid responsibility for not awarding me my bonuses or free credits, which are the only reason XXXX  is able to operate legally. 

I contacted chase and disputed all of these charges. 

I provided multiple pages of evidence, showing that realplay XXXX XXXX owns XXXX, that I was never awarded my contest winnings ( the reason I spent so much in the first place ) or my boneses I was entitled to. 

I did not receive what I paid for. 

Less than two days later. Chase sent me a letter stating that the dispute was closed. The only reason stated was that the transactions were authorized. 

I never claimed the transactions werent authorized. I claimed that I didnt receive the product I paid for which was the contest and the upgrades to my account, which I never received. 

This company is a scam. Its based out of XXXX and has no legitimate headquarters in the XXXX. They seem to frequently change around their terms, utilize the wrong transaction codes to avoid being processed as gambling, and refuse to provide features that are advertised. Customer service ignored me entirely when I brought up the money I was missing. 

I highly doubt chase actually looked into the evidence I provided or contacted the merchant. 

Its only been two days and the reason stated for the denial was that the transactions were authorized. This has nothing to do with my claim. 

It seems to have been done by AI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
NCB management services in California are trying to re-age car debt from XXXX XXXX. Stating the account opened 5 months ago, not 7 years ago.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Can you check over this entry? Its been submitted late and might not be right.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 15 USC 1681. 




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: NY

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 15 USC 1681. 




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: 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: AZ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
XXXX XXXX XXXX  in California are trying to re-age car debt from Exeter finance. Stating the account opened 5 months ago, not 7 years ago.

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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Toyota Motor Credit Corporation regarding the account TOYOTA MTR XXXXXXXX XXXX Date Opened : XX/XX/year>, High Balance : {$34000.00}, reported as a charge-off. I have no knowledge or relationship with Toyota Motor Credit connected to this alleged account. I never opened, authorized, or signed for any auto loan or financial agreement with this company.

This account appears to be false or unverified, and Toyota Motor Credit has failed to provide any validation, signed agreement, or proof of ownership confirming that I am legally responsible for this debt. Reporting a charge-off without proper verification violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement to ensure accuracy ) and 611 ( a ) ( requirement to verify disputed information ).

Despite prior disputes, Toyota Motor Credit has not provided documentation validating the debt or its accuracy. The continued reporting of this unverified charge-off has caused serious harm to my credit profile and financial reputation.

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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Capital One Auto Finance regarding the account CAP ONE AUTO XXXXXXXX XXXX XXXX Date Opened : XX/XX/year>, High Balance : {$25000.00}, reported as a charge-off. I have no knowledge, contract, or financial relationship with Capital One Auto Finance that would justify this reporting. I never opened, authorized, or signed for any auto loan with this company. 

This account appears to be false, unverified, or inaccurately reported, and Capital One Auto Finance has failed to provide any validation, documentation, or proof of ownership linking me to this alleged debt. Reporting a charge-off without proper verification violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( requirement to verify disputed information ). 

Despite prior disputes, no documentation has been provided confirming that this account is legitimate. This unverified charge-off has negatively impacted my credit standing and caused reputational and financial harm.

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: NC

Complaint narrative:
In XXXX of XXXX  I had to dispute XXXX charges on my account from XXXX different merchants that I didn't recognize. They first XXXX was on XX/XX/year> for the merchant XXXX XXXX  for {$5.00}. The second one was on XX/XX/year> for the XXXX XXXX  for {$130.00}. The last one was on XX/XX/year> from the merchant XXXX for {$98.00} They approved the first XXXX disputes and give me a credit for the last dispute but since it was denied they debited the credit they gave me for {$98.00} but the last one they denied and I don't know why. I called them on XXXX XXXX  to ask why was my dispute denied and asked to refile it they said they can only do it if I have any new information but I don't because like I told them I don't know who the merchant is and I don't have any information on them. They said I suppose to receive an email with all of the information about the claim and when I get it I need to call back to refile it. But weeks prior to this happening I asked them to block those merchants because they have tried many times before but we're denied because I didn't have money in my account. They were supposed to deactivate my card and report it stolen after the last dispute they never did and I had to do it myself on XXXXXXXX XXXX XXXX

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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: HW Holding, Inc
State: VA

Complaint narrative:
I am disputing a collection tradeline that does not belong to me. I have never had an account with this creditor and the furnisher has not provided validation tying me to the debt. This appears to be a mixed-file/identity error and violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) ( furnishers duty to reasonably investigate and correct after a dispute ), and the Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ) ( prohibiting communicating credit information knownor that should be knownto be false ). It is my understanding that they are required to provide written notice of the debt within 5 days of the initial communication, including the amount of the debt and my right to dispute. No such notice has been provided to me. Furthermore, the reporting of the account contains inconsistent and unverifiable information specifically conflicting Date of Last Activity ( DOLA ) and other account dates across credit bureaus. Under the FCRA, I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, this tradeline qualifies as unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I recently applied for a High-Yield Savings Account ( HYSA ) with Open Bank . Despite having sufficient income and more than {$10000.00} available to fund the account immediately, my application was denied without explanation. 

I am not listed in XXXX  or XXXX XXXX XXXX, and I have no negative banking history that would impact my eligibility. I also want to make it clear that any denial must not be associated with the mixed credit file issues I have experienced due to my twin sisters information being reported on my record, nor should it involve the incorrect bankruptcy information currently appearing on my XXXX  credit report an inaccuracy I am actively disputing. 

I meet all the eligibility and financial requirements to open this account. Denying me based on false or mixed data is discriminatory, reflects poor data handling, and violates fair credit reporting standards. I am seeking immediate resolution to avoid further escalation.

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: 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX XXXX XXXX  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. 




UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) continues to furnish inaccurate and inconsistent credit information to TransUnion and Experian despite issuing an IRS Form 1099-C on XX/XX/XXXX for {$5300.00}, confirming the debt was discharged and a {$0.00} balance remains. 

XXXX  completed its reinvestigation and deleted this same tradeline as unverifiable on XX/XX/XXXX ( CFPB # XXXX ). However, TransUnion and Experian continue to report the account as charged-off or written off {$5400.00}, which is inaccurate and misleading. 

I submitted multiple disputes directly to each bureau in XX/XX/XXXX and provided supporting documentation, including the Form XXXX, XXXX letters XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and proof of XXXX  deletion. Despite this, TransUnion and Experian failed to verify the data or correct the record, instead issuing template responses without substantiation. 

XXXX  latest response ( postmarked XX/XX/XXXX ) admits the 1099-C and {$0.00} balance but refuses to delete the tradeline, contradicting FCRA 623 ( b ). The continued reporting of a discharged debt constitutes willful non-compliance and is causing ongoing harm to my credit and financial reputation.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts on my experian credit report are reporting past due even after it say they are closed or charged off. Which is negatively impacting my score. I have disputed and experian has failed to do a proper investigation and I will like the accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are not properly investigating these accounts and they need to be deleted immediately

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

Complaint narrative:
The following accounts on my experian credit report are reporting past due even after it say they are closed or charged off. Which is negatively impacting my score. I have disputed and experian has failed to do a proper investigation and I will like the accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are not properly investigating these accounts and they need to be deleted immediately

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts have no relation to me ; they are to be taken off within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief