vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, we began receiving text messages from Chase alerting us to possible fraudulent activity on our business accounts. This is not unusual ; it's happened before in much the same way. Then, almost immediately, I received a phone call from a toll-free number with a caller ID that said " JP Morgan Chase ''. This caller walked me through some of the fraud that they saw on the account, and then tricked me into giving up our login info in order to help them stop it. Of course this call was a fraud, and before I realized it and hung up ( probably only a few minutes in ), they had transferred over {$130000.00} from our line of credit into our business checking account, and sent themselves XXXX wire transfers in amounts of over {$40000.00} each. 

After disconnecting from the fraudulent call, we immediately engaged with our Chase XXXX XXXX and began the process of attempting recovery. 

The first transfer, for exactly {$40000.00}, was sent to a XXXX XXXX account, was returned that same day minus {$50.00} ( we received back {$39000.00} ). 

The second transfer, to a XXXX account, for {$49000.00}, was partially recovered over the summer ( we received back {$48000.00} ). 

The third transfer, to a XXXX  XXXX XXXX account, for {$42000.00}, has not been recovered. 

We have pushed Chase many times to help us resolve this, but they have effectively closed our case, leaving us on our own to pursue XXXX  XXXX XXXX. However, since we are not XXXX  customers, they basically refuse to speak with us. We would like to draw attention to this issue of bank fraud, and ask Chase to not only recover our funds but also to strengthen their internal processes so this is less likely to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
Victim of Data Security Breach : Equifax XXXX XXXX, TransUnion, XXXX. & XXXX XXXX 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) I, XXXX XXXX, North Carolina Consumer, has been impacted by Equifax and other data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. 

b. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file. 

Without my authorization, the following accounts were fraudulently opened to benefit a third party, and I have never provided any permission for access to my credit files or for accounts to be established in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX B. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAIR CREDIT REPORTING ACT ( FCRA ) VIOLATIONS * * 15 U.S.C. 1681e ( b ) - Reasonable Procedures : * * Equifax failed to follow reasonable procedures to assure maximum possible accuracy of consumer information by : - Reporting unverified debt information - Failing to conduct adequate investigation of consumer disputes- Continuing to report disputed information without proper verification * * 15 U.S.C. 1681i - Dispute Procedures : * * Equifax violated dispute investigation requirements by : - Failing to conduct reasonable investigation of disputed items- Providing inadequate responses to legitimate consumer disputes - Reporting information as verified without obtaining proper documentation from furnisher * * 15 U.S.C. 1681s-2 ( b ) - Duties Upon Receiving Notice of Dispute : * * Equifax failed to properly investigate disputes and remove unverifiable information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: PR

Complaint narrative:
I am a XXXX veteran and former XXXX XXXX member of the XXXX XXXX XXXX XXXX. In XX/XX/XXXX, while attending technical training, I obtained an auto loan from XXXX XXXX XXXX  to purchase a XXXX XXXX XXXX. At the time, I was required to live off base with my dependents and had official XXXX XXXX XXXX XXXX XXXX XXXX XXXX assignment notification to Hawaii. 

In XX/XX/XXXX, my orders were diverted to XXXX XXXX XXXX, XXXX. Under Department of Defense and XXXX XXXX XXXX XXXXXXXX regulations, shipment of a personally owned vehicle ( POV ) to XXXX is prohibited without a special waiver, which is generally not granted for vehicles manufactured after XXXX. As a result, I was legally barred from shipping my vehicle overseas. I therefore surrendered the vehicle directly to XXXX XXXX XXXX. 

During the time I possessed the vehicle, I made all required monthly payments. After surrendering the vehicle in compliance with my XXXX  orders, I expected the account to be closed without derogatory reporting, since this situation falls under the Servicemembers Civil Relief Act ( SCRA ), which protects service members from negative credit actions tied to military service obligations. 

Instead, XXXX XXXX XXXX  reported the loan as a charge-off with an unpaid balance of {$5200.00}. This derogatory mark has been continuously reported to Equifax, XXXX, and XXXX  since XXXX, severely damaging my credit profile. This is inaccurate because : XXXX. The vehicle was not repossessed for non-payment it was voluntarily surrendered due to XXXX  military orders. 
XXXX. The bank is ignoring federal law ( SCRA ) and DoD regulations prohibiting POV shipment to XXXX XXXX. 
XXXX. I attempted resolution directly with the bank : I submitted documents and a certified dispute on XX/XX/XXXX, and spoke with a representative ( XXXX, Case # XXXX ). On XX/XX/XXXX, the bank responded only that the account was reporting correctly, without addressing the XXXX  orders, XXXX protections, or overseas shipment restrictions. 

Because of this inaccurate reporting, when I attempted to purchase a vehicle in XX/XX/XXXX, the dealership escalated my application to management due to the derogatory XXXX XXXX account. I was explicitly told that this mark was inconsistent with my otherwise strong credit and payment history, and it created unnecessary barriers to securing financing. 

I respectfully request that the CFPB require XXXX XXXX XXXX  to : Correct my credit reports with all three bureaus to reflect this as a voluntary surrender due to XXXX  orders, not a derogatory charge-off. 
Remove the negative reporting in compliance with the Servicemembers Civil Relief Act and federal regulations. 

This inaccurate derogatory account is unjust, harmful, and directly related to my military service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-09-26 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Today XX/XX/year> attempted to update my account information with my new address and new telephone number but they wont allow me unless I send proof my new address and proof my new number by sending them bills which violates my right to privacy.

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 2025-09-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are reporting, I asked to verify the debt. No response, no other dept company reports this debt. Please remove it so that I can move forward.

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 2025-09-26 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX, Va XXXX XX/XX/year> Re : Follow-Up Request for Method of Verification To Whom It May Concern, I am writing regarding my previous dispute dated XX/XX/year>, in which I challenged the accuracy of the following account ( s ) : XXXX XXXX  XXXX You responded by claiming the account ( s ) were verified. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and ( 7 ), I am formally requesting the following : 1. The method of verification used to determine the disputed information was accurate.

2. The name, address, and telephone number of the data furnisher who verified the information.

3. Documented proof of the investigation conducted, including any records, documents, or communication relied upon to reach your conclusion. 

Please note that failure to provide the requested verification and supporting evidence is a violation of the FCRA, specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation and provide the method of verification upon request.

If you can not or will not provide proper verification, I demand that the disputed account ( s ) be immediately deleted from my credit report. Continued reporting of unverifiable information is a direct violation of federal law and may result in complaints being filed with the Federal Trade Commission ( FTC ), and the State Attorney Generals office, as well as potential legal action for damages. 

Please respond to this request within the legally required time frame. I expect your compliance in writing. 

Sincerely, XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: PA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX. ] Account 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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
They are refusing to let me verify my identity to access my accounts. I had over {$4000.00} in there and it is just poof gone. No record of my account at all. Cant reset my password and they wont let me verify my identity to get back in now. Spoke to a supervisor on the phone and she is completely unable to help me even given my social security number and everything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: DC

Complaint narrative:
I request chime mailed the check on XX/XX/year> to XXXX  my mortgage company chime says the check was mailed and cashed by XXXX  but XXXX  says they never received it and requested i send a copy of the cashed check from chime, chime says they cant give me a copy, then chime says they never sent the check and, they sent me a email XX/XX/year> saying they successfully canceled the check and would be returning my money to my account, the money hasn't been returned and now they are back to saying the check was cashed by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

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 2025-09-26 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: IL

Complaint narrative:
I file a dispute with Experian and there wasn't anything fix on my report now they are telling me i can't file a dispute

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