vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX GA XXXXExperianXXXXXXXX XXXX XXXX TX XXXXSubject: Formal Dispute of Inaccurate Credit Report Entry Under Federal Consumer Protection LawsXXXXDear ExperianXXXXI am writing to formally dispute the accuracy and validity of one or more items listed on my credit report as provided by your agency. I am fully aware of my rights under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act (TILA), and Fair Credit Billing Act (FCBA). These entries are either inaccurate, outdated, or unverifiable, and they must be removed or corrected immediately in accordance with federal law.\n\n\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX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 am invoking my rights under the following consumer laws:\n\n1.\tFair Credit Reporting Act (15 U.S. Code  1681)\nUnder Section 611 of the FCRA, I have the right to dispute any information I believe is inaccurate, and the credit bureau is required to investigate and remove unverifiable or incorrect data within XXXX  days. Continued reporting of inaccurate or unverifiable information constitutes a willful violationXXXXtFair Debt Collection Practices Act (15 U.S. Code  1692)XXXXIf a third-party debt collector is involved, they must provide proper validation of the debt upon request. Failing to do so while continuing to report the debt is a violation of Section 809.XXXXtTruth in Lending Act (15 U.S. Code  1601)\nThis law requires creditors to fully disclose terms of credit and ensure that I understand them. If this obligation was not met, or if I was misled regarding the nature or terms of the debt, the entry is potentially invalid.\n4.\tFair Credit Billing Act (15 U.S. Code  1666)XXXXThis act protects consumers from billing errors, which includes unauthorized charges and incorrect amounts. If the original creditor failed to investigate or respond to a billing dispute properly, the negative reporting is unlawful.XXXXAction Requested:\XXXXtDelete or correct the inaccurate/unverifiable accounts listed aboveXXXXtProvide a complete and verifiable investigation summary within 30 daysXXXXSend me an updated copy of my credit report reflecting these changesXXXXIf you continue to report unverifiable or inaccurate information beyond the XXXX-day window, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my state attorney generalXXXXThank you for your prompt attention to this matterXXXXSincerely,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 2025-07-31 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$30000.00} Account Name XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$66.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$450.00} Account Name : XXXX & XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$940.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was extremely frustrated to find the two unauthorized inquiries on my credit report. I had no idea where it came from. I refreshed my browser hoping it was just a technical glitch, but nothing changed. Im urgently requesting a thorough review of the documents Ive submitted because I need this resolved immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX of the companies I entrusted with my credit card information abused that trust and began attempting to charge me for damages that I did not cause. I formally disputed the alleged debt in writing and filed a lawsuit in California XXXX XXXX XXXX to protect my rights. 

Despite being aware of the pending legal case, the company unlawfully charged my credit card. I then filed a formal dispute with Bank of America, requesting a chargeback on the grounds that I did not agree to the charge and that it was made during active litigation. 

Bank of America denied my dispute, even though I submitted extensive evidence, including court documents, the hearing date, and a timeline of communication clearly showing that the charge occurred while the case was open. 

Any attempt to collect this amount, either directly or through third parties, prior to a final judgment constitutes a violation of : - The Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) - Californias Rosenthal Fair Debt Collection Practices Act ( Civil Code 1788.17 ) - California Business and Professions Code 17200 Unfair or deceptive business practices- California Code of Civil Procedure 116.110 and 116.223 ( Small Claims Act ) I am requesting that Bank of America : 1. Reevaluate my dispute at the XXXX level ; XXXX. Freeze the disputed amount until the court has issued a ruling ; XXXX. Reinstate the provisional credit or reverse the charge ; XXXX. Provide a written explanation of how the dispute was reviewed and why the charge was enforced despite being legally contested. 

Please review my complaint and take appropriate action to enforce consumer protections and hold the company and bank accountable. 

I attached documents from the court, which show the date of filing the application and setting the hearing, and then it is clear that the transaction was completed after I went to court for the purpose of pressure.

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 2025-07-31 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: IA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have already raised my concern to CFPB. Its case # is XXXX. 

According to Chases response to my previous CFPB complaint, I was instructed to provide authorization, the makers return address, and the payees name in order to have the funds returned. I submitted all requested information via email. However, on XX/XX/XXXX, I received a response stating that once we have researched the matter, we will provide a response in writing. This appears inconsistent with the previous statement that the funds could be returned upon receipt of the requested information. I clearly indicated my wish to proceed with the return and provided all necessary details. To date, I have not received any further communication. Please clarify the status of this matter and confirm when the funds will be returned.

In addition, I have also reported the incidence to OCC.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am writing to file a formal complaint against Credit Control , LLC regarding the reporting of a fraudulent collection account on my XXXX  credit report. The account is listed under XXXX XXXX with an account number ending in XXXX and a balance of {$98.00}. 

I have never opened an account with XXXX XXXX and believe this debt is the result of identity theft, misreporting, or an internal billing error. I did not authorize this account, nor have I received any verification from the collection agency despite prior disputes.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information. I am requesting the CFPB investigate this matter and instruct Credit Control , LLC to immediately remove this collection if they can not provide proper documentation proving the validity of the debt.

This negative item is affecting my credit profile and financial opportunities, including my ability to secure housing and essential services.

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
The beginning of 2025 around XXXX ( I am A co owner to my fathers account ) we owed citi card somewhere around {$16000.00} to which I wrote a check for {$17000.00}. They contacted us and said we overpaid by {$3900.00} and they even wrote us a check for that amount and then they closed our account. This was back in XXXX. So we owed money we overpaid they wrote us a check for the difference and now XXXX  Months later theyre claiming we owe them {$11000.00} somehow even when it says in XXXX we owed nothing because the account was closed then in XXXX all of a sudden its {$9000.00} that they magically added {$2000.00} too. Its laughable. I will contact my old bank ( I dont bank with XXXX anymore ) and I will upload photos of the payment being made. I demand this be removed from both mine and my fathers credit report as we have already resolved this!

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My bank account form PayPal closed for no reason. I have XXXX $ I need asap and they restricted my account for no reason. And I need to make the withdrawal. Please they lied and said I have a duplicate account but I dont. Their system lied. Its under different ssn number and my account got closed for no reason. Can u please reactivate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Chime Financial Inc
State: GA

Complaint narrative:
I tried to make a purchase on XXXX on XX/XX/year> and Chime didnt approve it. XXXX  days later I had a notice saying my card was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: KY

Complaint narrative:
b'Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction:\nBankruptcy XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX Late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/scrub> 2025, I disputed a XXXX  XXXX bankruptcy listed on my Experian credit report ( Reference # XXXX ). Experian responded claiming they verified the bankruptcy directly with the XXXX Bankruptcy XXXX in XXXX XXXX. 

This is false. Bankruptcy courts do not confirm, verify, or furnish data to Experian or any credit bureau. They do not participate in dispute verification. This is a well-known and documented fact. 

Previously, Experian indicated the bankruptcy came from a third-party vendor such as XXXX. I froze XXXX before my dispute, cutting off the only legitimate source. Yet Experian still claimed the bankruptcy was verified with the court without providing any verification details. 

They have not produced : A name or department that allegedly verified the record The method of verification Any communication record or document from the court This directly violates FCRA Sections 607 ( b ) and 611 ( a ). A bankruptcy is one of the most serious negative records on a credit report. It can not legally be verified without proper documentation. Experian is falsely reporting unverifiable data and misleading both me and the public. 

I am a 100 % XXXX veteran. This inaccurate public record is causing financial and XXXX harm. It is damaging my ability to qualify for credit, secure loans, and rebuild my financial future. 

I am requesting full deletion of this bankruptcy from my Experian report under FCRA Section 611 ( a ) ( 5 ), since it has not been verified and contradicts their past source statements.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: CA

Complaint narrative:
Hello, XXXX XXXX XXXX XXXX. We're XXXX XXXX, a debt collector. We are trying to collect a debt that you owe to Possible Finance. We will use any information you give us to help collect the debt. 

Our information shows : You have an account with Possible Finance. The address on file for you is XXXX XXXX XXXX, XXXX, CA XXXX. 
As of XX/XX/year> you owed {$88.00} Between XX/XX/year> and today You were charged this amount of interest + {$0.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$88.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AL

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 15 USC 1681.

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 a 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 if 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

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 2025-07-31 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:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

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 2025-07-31 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief