vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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:
Subject : Formal Complaint Regarding Fraudulent Account XXXXXXXX XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an unresolved dispute with the major credit bureaus involving a fraudulent account reported by : The XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  The account in question was opened without my knowledge or consent and was the result of fraud and deception. I have not authorized any account with XXXX, and I did not receive any services or funds from them. This account has appeared on my credit report for over three year, despite my repeated disputes with the credit bureaus requesting its removal under the Fair Credit Reporting Act ( FCRA ). 
I have formally notified the credit reporting agencies ( XXXX  Experian, and XXXX ) multiple times, and despite supplying evidence that this account is the result of fraud, they have continued to report this account as valid. 
This ongoing inaccuracy has caused significant harm to my credit standing, limited my access to fair credit opportunities, and added unnecessary stress and hardship. 
I am requesting the following action : XXXX. That the CFPB investigate XXXX 's reporting practices in this matter. 
XXXX. That XXXX be required to provide documentation proving that I applied for or benefited from this loan/account.

3. That the CFPB direct the credit bureaus to permanently remove this fraudulent account from my credit file under FCR

A Section 605B, which allows for the blocking of information resulting from identity theft. Attached are : Copies of my prior dispute letters to the credit bureaus A copy of my photo ID A police report or FTC Identity Theft Report ( if available ) A current copy of my credit report showing the disputed entry I respectfully request that the CFPB act swiftly to correct this violation and ensure that my consumer rights under federal law are upheld. 
Thank you for your attention and assistance in this matter.

Sincerely, ______________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Date : 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 2025-06-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
Accounts were previously deleted as a result of a formal dispute under the FCRA. It has been reinserted without proper notice or certification from the data furnisher, in violation of 15 USC 1681i ( a ) ( 5 ) ( B ). I do not recognize or authorize this account, and I request an immediate investigation, removal, and certification of compliance with reinsertion procedures. Continued reinsertion without cause is considered willful noncompliance and may be subject to legal action under 15 USC 1681n. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance equals high credit ; missing original creditor ; Metro 2 Field 26 violation ; e-OSCAR Code 112. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Balance exceeds credit limit ; conflicting status ; XXXX XXXX issues ; e-OSCAR Codes 001, 112. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Reports as XXXX late from XXXX with no update ; misleading tradeline ; XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Misleading dispute notation remains after resolution ; FCRA 611 ( b ) ( 5 ) violation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Too new to rate '' for over XXXX months ; account is closed and paid ; XXXX XXXX XXXX XXXX issues. 

Page XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Charge-off exceeds credit limit ; re-aged ; prior MOV not disclosed ; Metro 2 Field 12 and 25A ; e-OSCAR Codes 001, 103, 112. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ) - Account closed XX/XX/year>, but lacking payment history and details ; may fall under FCRA 605B ( identity theft ).

I also request correction of inaccurate personal information per FCRA 609 ( c ) :

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against XXXX  for failing to correct or remove inaccurate information regarding an account that has been repeatedly disputed. Specifically, the account in question is being misreported in ways that are materially harmful and misleading. 

The account is listed as follows on my credit report : JEFFERSON CAPITAL SYST Account XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately in multiple ways : The account is falsely reported as open, even though it is not. 

I have previously disputed this account and requested that XXXX  verify the information. Despite this, I have received no documentation or meaningful response to validate the accuracy of the account. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX  is required to investigate and correct or delete any information that can not be verified. Failing to respond to my dispute and continuing to report inaccurate information is a clear violation of my rights under federal law. 

I respectfully request the CFPB to : Investigate XXXX handling of my dispute, Compel XXXX  to correct or remove the inaccurate reporting of this account, Ensure I receive written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-13 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
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 : [ XXXXXXXX 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

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 2025-06-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have an Amex prepaid gift card, given in XXXX, and I have not been able to use it anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX  FL XXXX ACCOUNTS : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/year>

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
Robinhood restricted my account, I have provided the statement they needs but still have my account restricted. Only issue is that my debit card has not been used at all in a couple months so its not showing on my bank statement. I have XXXX dollars in my spending account on Robinhood Im trying to get out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
according to 15USC 1681C-2 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as verified without proper investigation. the company failed to send me any complaint the never sent verification of debt eh ORIGINAL contract bearing my signature & and explanation of the amount and how it was calculated.

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 2025-06-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-06-13 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-06-13 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Someone made multiple unauthorized purchases on my Chime account for a gambling site called XXXX XXXX. I did not authorize these transactionsmany of which were {$990.00} each. Im not even old enough to gamble legally, and I have never used this website.

I immediately filed a claim with Chime for fraudulent charges. Shockingly, they denied my claim within two days without conducting a proper investigation. After speaking with multiple supervisors, a second claim was opened. However, this claim was also deniedconveniently on the same day I was supposed to receive a provisional credit and use the funds to pay for my tuition. 

The denial documents Chime sent me clearly show evidence supporting my claim : The IP addresses used for these transactions are nowhere near my actual location. 

The name on the account used for the transactions is not even mine. 

How can Chime ignore these red flags? This is clearly fraudulent activity, and I am being held responsible for thousands of dollars I did not spend. I am a student and can not afford this. What happened is not only wrong, but I believe it is also a violation of consumer protection laws. 

This is now my third time dealing with your dispute process, and each time, I am being told I must wait another 10 business days for a provisional crediteven though my initial claim was filed weeks ago. This repeated resetting of the investigation timeline is not only unacceptable, it appears to be a deliberate attempt to avoid compliance.

Repeatedly opening new claims to delay resolution violates the spirit and letter of federal law.

Im requesting a full investigation and a reversal of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I registered for the " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' promotional offer, which was from XX/XX/year>, till XX/XX/year> and offered XXXX bonus XXXX XXXX for meeting a spend of {$6000.00} during the offer timeframe. I completed {$7000.00} of purchases with transaction dates during this timeframe. After an escalation, they refused to honor the promotion because some post dates came in after this time period. 

Looking back at the legalese of the promotion, I recognize now that they use the word " post date ''. However, as a consumer, I have no control over a merchant 's post date and thought that as long as I made the purchases within this time frame, they would count. 

I believe I completed my end of the bargain spending {$6000.00} within the the promotion timeframe and want them to honor theirs. I would not have spent money using this card if it weren't for this promotion because without it, the rewards value is low. 

Overall, I had a very poor customer experience trying to complete this promotion and asking that they honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my earlier dispute about the account listed. Even after my efforts, the credit report still shows incorrect and incomplete information. I am now formally requesting a detailed explanation of the procedures you used to investigate this account. As required by law, you must provide this information within 15 days of receiving this notice. If you can not verify the details or fail to respond, I ask that the disputed items be removed. A copy of my original request is attached for reference. Thank you for your prompt attention.

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 2025-06-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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