vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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:
Dear Equifax 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 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
About a month or XXXX ago, Williams and Fudge started repeatedly calling my parent asking about me and where I was. They harassed him for several weeks about my whereabouts and did not give him any notice as to what was going on. In XXXX, and I don't know how, they started calling me as well. I have no idea what they did to get my number because I had changed it prior to that and hadn't given it out to any colleges or banks. 

They said I owed over XXXX to XXXX University, which I admit that I hadn't paid. I was planning to go back but couldn't because of my dad having XXXX and mental health issues. They did not tell me I could dispute the debt until it was too late and insisted on me making payments of XXXX. This has put me in a serious financial burden, as they did not inform me that I could dispute the debt earlier to avoid paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year>, I filed disputes for XXXX unauthorized debit transactions on my Chime Spending Account for {$23.00} and {$66.00}. Chime informed me that I would receive temporary credits while they investigated, but as of XX/XX/year>, I have not received either credit. 
Ive contacted Chime multiple times through the app and by phone, but each time I was told only that the disputes are still under review. No one has explained why the promised credits were never issued or provided a clear resolution timeline. 
Under Regulation E ( 12 CFR 1005.11 ), financial institutions are required to provide provisional credit within XXXX business days if an investigation is not complete. Chime has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Information Under Section 605B Dear Equifax 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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Merchant : XXXX Credit ( Owner : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total : {$10000.00} Timeline of Events XX/XX/XXXX : I was contacted by XXXX XXXX XXXX XXXX XXXX and XXXX into an agreement with their team for business-funding and credit-development services. 
The company represented that they could secure up to {$250000.00} in business funding and establish multiple vendor accounts. 

XX/XX/XXXX XX/XX/XXXX : I made payments totaling {$10000.00} to XXXX XXXX and their associated platforms. These payments were made in good faith for full-service business-funding assistance. 
Representatives XXXX XXXX and XXXX XXXX confirmed receipt of payment and stated that my funding applications were in progress. 

XX/XX/XXXX XX/XX/XXXX : Despite repeated follow-ups, XXXX XXXX provided no tangible results, no funding approval, and no documentation of vendor or credit setup. 
When I requested updates, XXXX XXXX repeatedly said she was checking with the funding team, but no status reports were ever shared. 

XX/XX/XXXX : I learned that XXXX XXXX had cancelled my business credit applications without authorization and later requested that I pay an annual renewal fee to continue. 
This demand was made even though no services had ever been rendered. 

XX/XX/XXXX XX/XX/XXXX : I continued to request updates and a refund, but my messages were either ignored or deflected. 
XXXX XXXX, the owner, was copied in these messages and acknowledged receipt but took no corrective action. 

XX/XX/XXXX : XXXX XXXX, representing XXXX XXXX, admitted in writing that the company could not fulfill the contract, stating : Given your previous chargeback on the monthly subscription, our options for providing direct, full-service application assistance are limited right now. We can, however, still offer you valuable information to help you move forward on your own. 

This is a clear written acknowledgment that the service I paid for was never delivered. 

XX/XX/XXXX ( same day ) : I sent a Formal Demand Letter to XXXX XXXX XXXX XXXX XXXX via email and XXXX XXXX, requesting a full refund of {$10000.00} within 10 business days. 
The letter outlined breach of agreement, services not rendered, and unjust enrichment under New York law. 

XX/XX/XXXX : I contacted Chase Bank to open a dispute. Chase declined to assist, citing transaction age, despite the ongoing nature of the service and the merchants written admission. 

XX/XX/XXXX : I am submitting this CFPB complaint with supporting evidence, including : Proof of payment Messenger communication logs XXXX XXXX written admission ( XX/XX/XXXX ) Formal Demand Letter ( XX/XX/XXXX ) Evidence that no services were rendered and the merchant refused refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc
State: GA

Complaint narrative:
Call today XX/XX/year> to get proper information on the account. They said, they only report once to the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: WA

Complaint narrative:
Debt collector trying to collect debt that is not mine, I was not living in place at time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Delete account [ Account name : XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX ] from my credit report, because of multiple violations of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is attempting to collect and/or report an invalid and time-barred debt that originated with Time Payment XXXX and was later sold to ASAP Processing Company before being purchased by XXXX XXXX XXXX XXXX . 

The alleged account was charged off on XX/XX/XXXX, making it over XXXX years old. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 4 ) ) and state statute of limitations laws, this debt is no longer legally enforceable and can not be reported or collected. 

On XX/XX/XXXX I sent an email for a debt validation and dispute letter to XXXX XXXX XXXX XXXX requesting verification of the debt and proof of ownership, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. As of today, I have not received any valid documentation verifying the debt. Despite this, XXXX XXXX XXXX XXXX continues collection activity or has failed to properly remove this account. 

This conduct violates : - FDCPA 1692g ( failure to validate debt upon written request ) - FDCPA 1692e ( misrepresentation of debt and misleading collection practices ) - FCRA 1681c ( a ) ( 4 ) ( reporting outdated, time-barred debts ) I am requesting that XXXX XXXX XXXX XXXX  immediately cease all collection activity, delete this account from any credit reporting, and provide written confirmation that the debt will not be pursued further.

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 2025-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: WA

Complaint narrative:
The amount is {$360.00} and it started on XX/XX/year>, This is the address of the company Klarna

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all XXXX credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear TransUnion 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 ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 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 2025-10-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> my checking account was scammed. XXXX charges I had made in XXXX of XXXX  were reversed totaling the amount of XXXX. The scammer than used the Chase XXXX linked to my checking account and sent the money to themselves. I immediately notified the bank and they stated that it was fraudulent activity and would take care of the dispute. On my account a name of XXXX XXXX XXXX was the individual that scammed the money from my account through XXXX. 

The bank reimbursed the charges an XX/XX/year> and then on XX/XX/year> they took the money back out of my account. I contacted the claims department and they stated my dispute was denied. I requested to speak to a supervisor to file an appeal in which I spoke with XXXX who took all the information from me and filed the appeal. I followed up XXXX days later and i was told by the claims department my appeal was denied. I have since then filed another dispute and was given AR numbers for each of the charges. 

On XX/XX/year>, I received a call from Chase and I was told my complaint was investigated but denied. The caller stated I gave the scammer access to my account therefore my claims were denied. 

I explained I did not give a scammer access to my account or my Chase XXXX. I informed the caller I felt this was an inside job through Chase and disagreed with all of the outcomes for denial of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid XXXX XXXX through PayPal over a year ago for an online rabbit pedigree service. The company accepted full payment but never provided access to any working product or service. 

After purchase, XXXX XXXX repeatedly claimed they were in development and later announced they were rebranding to XXXX XXXX. Their website still says it is under construction, and their FAQ admits that the original development team never completed the software. Customers, including myself, have received nothing in return for our money. 

PayPal denied my dispute solely because it was filed more than XXXX days after payment, even though the business clearly never delivered the product and appears to no longer be operating. This is a case of fraudulent non-delivery, not a delayed shipment or service. 

I have documentation and screenshots showing that XXXX LLCs website is inactive, their social media contains public complaints from other affected buyers, and the BBB lists the business as not accredited. I am requesting that PayPal reopen my case and refund my payment under their fraud policies, since the standard XXXX limit should not apply to fraudulent or non-existent sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Hello, Im writing to address an issue with the credit reporting on my former account with Barclays Bank Delaware, located at XXXX XXXX XXXX XXXX, XXXX, DE XXXX, previously informed me that the debt in question had been sold to another company, which is now responsible for reporting. However, the account is still being reported as a charge-off, despite the fact that it was included in my Chapter XXXX bankruptcy and has been legally XXXX. 

I contacted XXXX at Barclays regarding the response from XXXX XXXX XXXX, and while he did reply initially, he stated that he could not respond to emails he had already addressed. This gives the impression that Barclays may be intentionally avoiding written communication with me and potentially other consumers, which is concerning. I feel at this point this intentional to negatively impact my credit. 

I notified the reporting company of this discrepancy and provided documentation confirming the discharge, yet they have refused to update the account status accordingly. This failure to reflect the bankruptcy discharge is not only inaccurate but also a potential violation of federal bankruptcy laws. 

My attorney has advised that since the account is still being reported under Barclays name, they bear responsibility for ensuring the information is accurate. This position has been supported by Experian and by leadership at my place of employment, who specialize in collections and credit reporting compliance. 
For your reference, I have attached the Notice Recipients and XXXX documents filed with the court by my attorney. 

I respectfully request that this matter be corrected promptly to reflect the XXXX status of the account in accordance with the law. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-10-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to request the reconsideration of my fraud claim, referenced above, for my California XXXX prepaid card. I have reason to believe the original claim was denied due to a misunderstanding of the circumstances surrounding the fraudulent activity. 
The transactions in question were unauthorized and occurred while I was incarcerated and unable to access my account. 
Details of unauthorized activity : Timeframe : All transactions made between XX/XX/XXXX, and XX/XX/XXXX, were fraudulent. 
Method of fraud : My former roommate, XXXX XXXX, received my XXXX prepaid cards at my previous address, XXXX XXXX XXXX Row, XXXX XXXX, CA XXXX. Without my authorization, he used my personal information, which he had access to, to activate the cards and conduct transactions. 
Unauthorized actions : At no point did I authorize XXXX XXXX to activate my cards, set a PIN, or make any transactions on my behalf. 
Change of address : I have since moved from XXXX XXXX XXXX Row to my new address at XXXX XXXX XXXX, XXXX XXXX, CA. 
Supporting evidence : I have attached documentation to support my claim, including : Official documentation proving my incarceration from XX/XX/XXXX, to XX/XX/XXXX. 
An official police report documenting the fraudulent activity. 
I am requesting a full investigation into these unauthorized transactions and that the funds be returned to me. As my account was compromised by identity theft during a period when I was physically unable to manage it, I believe these transactions should be reversed. 
Thank you for your time and for reconsidering this matter. I have attached the documents for your review. 
Sincerely, 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