vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: MS

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-22 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the following information reported on my credit report with TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ). The specific information I am disputing is as follows : Charged-Off Accounts : XXXXXXXX XXXX XXXX  XXXX XXXX * * * * * * * * * * * * * *, XXXX, Balance : {$0.00} Inquiries : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Payments : 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They told me they needed a phone number for the remaining funds to be verified in my account because theres a check. I gave them the phone number of the person who sent me the check. They called the person while I was on the phone to verify the check, the check was verified now I do have a recording of me in the banker on XX/XX/year>. That will show proof that she called while I was on the other line and the check was verified. There is no other reason for them to be holding my money. I am going to reach out to a lawyer. Im going to call the check all the new stations and put them on blast. I am going to post this all over social media. I want my money back. XXXX going to court for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain items on my credit report, which I believe to be inaccurate and incomplete. Below are the details of the accounts in question, separated by credit bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$270.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Balance : {$1100.00} Inquiries : XXXX  Date : XXXXXXXX XXXX Date : XXXX XXXX Date : XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX ANDERSBRO Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a Chase business checking account in person on XX/XX/year>. The account was approved, left active without restriction, and later issued a debit card. I was not informed of any missing documentation or verification issues at onboarding. 

On XX/XX/year>, I deposited a check for {$15000.00} into the account. The funds originated from another Chase business checking account, fully cleared, and were under XXXX control. 

After the deposit cleared, Chase flagged the account based on an internal data-entry error related to my apartment unit number, despite my drivers license reflecting the correct address and despite my correcting the address multiple times by phone and in person. I later returned to the branch and provided my Social Security card and IRS XXXX issuance letter in person, and my identity was verified. 

Despite this verification and despite having accepted and cleared the deposit, Chase closed the account rather than correcting the record. During recorded customer support calls, I was told Chase would not release my funds unless the account was satisfied, and that I could not receive my funds even if I wished to close the account and bank elsewhere. 

Chase stated that my funds would be returned by check, but instead mailed an untracked letter stating the account had a XXXX balance. No check was enclosed, and no funds have been delivered. The closure letter itself contained inconsistent address information across its pages, further demonstrating internal recordkeeping failures. 

As of today, I have been deprived of access to my {$15000.00} in cleared funds for nearly the entire month of XXXX, causing significant and irreversible business disruption. A detailed chronology and supporting documentation are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: 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 XXXX. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
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 XXXX. 

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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WLCC
State: IN

Complaint narrative:
I was contacted by an individual named XXXX XXXX who claims to be with a company called XXXX mediation however I cant find anything about this company or individual online and Ive gone as far as a call the office space that they allegedly rent out to find that they dont exist and nobody has ever heard of them. Ive even called a few different mediation groups in XXXX trying to see if theyve ever heard of this XXXX, and nobody has. They claimed that they were a mediation group that picked up my file and wanted to collect money to help me out and keep me from being charged criminally. I found out they have all of my personal information such as my address name, date of birth Social Security number, and even my drivers license number. All of that information is correct and the debt that they were trying to collect sounds familiar but since it was a few years ago, Im really not sure but this place doesnt exist and Im very worried considering they have all of my personal information bottom line is their impersonating, a company or a profession and trying to collect money under false pretenses they did coerce me and intimidate me into giving my debit card number, but I have canceled. It changed all of my passwords and frozen my credit reports. They also have contact information for my family who they also called saying I had issues with the law regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank determined a fraudulent credit card charge as valid and closed investigation in XX/XX/XXXX. I was notified through hardcopy letter dated XX/XX/XXXX. In the investigation, the merchant provided purchaser email that uses my name, but is NOT my email address ; I have never created or used that email address. Purchaser provided my actual home address, but the product ( 3 tickets, total transaction {$340.00} ) were delivered via email. The tickets were bought from XXXX XXXX  App and processed by XXXX XXXX XXXXXXXX MA, but I have never bought anything from XXXX. I didn't get any notifications during or after the purchase on XX/XX/XXXX, and only found out and filed a dispute 3 days later when I looked at my credit card transactions on 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 monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy, legality, and authorization of the above-referenced account pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681a, 1681b, 1681i, and 1681s-2.

I do not recall providing written authorization or consent allowing your company, the original creditor, or any third party to obtain, furnish, or report my personal consumer information. You are hereby required to provide the following : 1. Documentary proof of your permissible purpose to obtain and report this account under 15 U.S.C. 1681b 2. Written authorization or certification bearing my signature authorizing the furnishing of this account 3. The complete method of verification used to report this account 4. Proof of your legal authority to collect, service, or report this account 5. A copy of any contract, application, or agreement bearing my signature If you are unable to provide the above documentation, continued reporting constitutes unlawful furnishing of consumer information. 

Accordingly, if you can not fully verify this account as required by law, you must DELETE this account immediately from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am a customer with chime bank and it was unauthorized transfer made from my account and chime bank said they were going to investigate it and make sure I received my funds back and they never contacted the merchant and I had to and the merchant told me chime never contacted them and chime denied my dispute claim with in the XXXX business days from the filing dispute and there trying to say I know these people and I dont and my account was hacked because my phone was stolen and I told chime that and I XXXX provide every document they asked for and I've still haven't gotten my money back to my account and I'm homeless and don't have a place to stay because of this and my kids don't have anything .this is taken a toll on me I just want just and want my funds back to my account as soon as possible please my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, 2 charges of XXXX debit card transactions was processed through Cash App that I did not authorize. I did not initiate, approve, or benefit from this transaction. 

I reported the charge immediately to Cash App as unauthorized debit card fraud. Cash App denied both my dispute and my appeal without providing evidence that I authorized the charge. 

This transaction was funded directly from my debit card, not a Cash App balance. Under Regulation E, unauthorized electronic fund transfers must be investigated and refunded when the consumer did not authorize the transaction. 

I am requesting a full refund of {$950.00} and a written explanation of how Cash App determined this transaction was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After speaking with Equifax about the updated information in which I submitted due to identity issues. The three bureaus had different names and Experian and XXXX  failed to allow me representation in order to sort out my situation. I spoke with a representative named XXXX whom would not provide his last name and stated he worked in XXXX XXXX Department for Experian. I let him know that I was given the number from the dispute department in order to discuss the hard inquiries In which I did not give authorization to any company due to the inquiries reflecting negatively on my credit file. I always ask companies are they running hard inquiries and if so I deny them. The representative refused to assist me and furthermore rendered the experience bad. I would tell all other consumers the possible outcomes and how the company quickly to collect but slow to help when consumers need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 am disputing the following items on my Experian credit report as I believe the information is incorrect and needs to be corrected. 

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The Experian bureaus is reporting inaccurate information on my credit reports XXXX XXXX XXXX This account was paid, yet you are reporting it as negative from XXXX. 
I have never been a joint user or co-signer on this account. 
Please delete this account under FCRA 605B Identity Theft / Mixed File. 

einsert the exact same account under different collection agencies, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires written notice within 5 business days for any reinsertion. NO such notice was ever provided. 
Account being repeatedly reinserted : XXXX XXXX XXXX DOFD : XX/XX/XXXX Balance : {$430.00} This debt continues to be resold to different collection agencies and re-reported. 
I demand permanent deletion of all versions of this account due to illegal reinsertion and failure to comply with FCRA reinsertion requirements. 

Inaccurate Hard Inquiries These violate FCRA 604 ( permissible purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries must be deleted immediately. 

Serious Personal Information Errors ( Mixed File ) REMOVE ALL WRONG NAMES You are reporting multiple incorrect names that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names belong to another individual, and their presence indicates a mixed or contaminated file. 
Delete all variations immediately under FCRA 607 ( b ) Maximum Possible Accuracy. 
My correct and ONLY name is : 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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Called on XX/XX/year> at XXXX XXXX  to discuss possible Truth in Lending Violation and phone started to break up and lost the agent. Called back and the phone hung up before connecting. I called again and got an agent again and explained the reason for my call. She is escalating the call at XXXX XXXX. Transferred to XXXX employee id XXXX who is a XXXX XXXX XXXX. Who stated that because the 24 month grace period had ended, they could not remove the entrance. I explained that they didnt explain to me how the interest would be applied until after I accepted and starting receiving bills. XXXX stated I was warned about the interest on the billing statement. The warning was not given until right before promotional expiration and I believe this to be a violation of TILA. I then asked XXXX what documentation was provided to me at the time of extending the credit and he stated they did not have any documents on file. I disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I recently reviewed my credit report and discovered an inquiry that I do not recognize. I did not apply for credit with this company, nor did I authorize or provide consent for my credit report to be accessed. The presence of this unauthorized inquiry is causing unnecessary stress and anxiety.

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