vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint against Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for continued collection and credit reporting of an alleged debt in the amount of {$3000.00} ( account ending in XXXX ) without providing proper validation as required under Section XXXX of the FDCPA ( 15 U.S.C. 1692g ). Despite my written demand for validation, the company failed to provide the legally required evidence of debt ownership, including the original signed agreement, full accounting, original creditor identification, and proof of assignment. Instead, they continue to report this debt to the credit bureaus, violating my rights under the FDCPA, FCRA 611 ( 15 U.S.C. 1681i ), and the California Rosenthal Act 1788.17. This account must be immediately removed from all credit reporting agencies pending proper validation. I request enforcement action to ensure Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ceases all collection and reporting activity until full compliance with federal and state law is achieved. Requested Resolution : Deletion of all tradelines and written confirmation of compliance with the FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: OK

Complaint narrative:
I filed a dispute with Chime regarding a {$100.00} transaction ( Dispute # XXXX ) for merchandise that I attempted to return within minutes of purchase after the merchant refused to accept it and did not disclose any no-refund policy prior to the transaction. The dispute was denied without Chime considering critical facts. 

I submitted a written request for reinvestigation with new information, explaining : - The merchant never informed me of a no-return policy before purchase - There was no posted sign, receipt notice, or verbal disclosure- I attempted to return the item shortly after purchase, and the refusal was based on an undisclosed policy Under Regulation E and XXXX XXXXules, this qualifies as " Goods Not as Described '' and " Merchant Misrepresentation. '' My reinvestigation request was ignored. 

When I contacted Chime support to confirm receipt and escalate, they repeatedly refused to provide any written method, insisting I must call by phone. I told them I am unable to make calls and need a written accommodation for accessibility reasons. They still refused, stating that calling was the only option. 

This violates my rights under Regulation E, which allows disputes and appeals to be submitted in writing, and creates an accessibility barrier. I am being denied a fair reinvestigation and the ability to communicate through a reasonable written channel. 

I am requesting : 1. A formal reinvestigation of Dispute # XXXX XXXX. A refund of {$100.00} based on merchant misrepresentation XXXX. Written communication options in lieu of forced telephone-only contact Chime has made it impossible for me to appeal a denied dispute without calling, which I can not do. They are blocking my federally protected dispute rights and ignoring accessibility needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against US BANK a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
US BANK 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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding NEW AMERICAN FUNDING s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian, Equifax and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. NEW AMERICAN FUNDING has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. NEW AMERICAN FUNDING XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding a fraudulent XXXX XXXX  account issued by XXXX XXXX XXXX XXXX that is appearing on all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

This account was never opened or authorized by me. After I noticed suspicious activity and contacted XXXX XXXX directly to verify the account, they confirmed via email that this account was indeed opened fraudulently. Minutes later, they closed the account, acknowledging that it was not opened by me. 

Despite this confirmation from XXXX XXXX, all three credit bureaus continue to report this fraudulent account as open and valid, damaging my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon discovering the account, I immediately contacted XXXX XXXX to request verification. 

XXXX XXXX responded in writing ( via email ) acknowledging my concern that the account was opened fraudulently. 

Shortly after, I received a second email confirming that the account was closed due to confirmed fraud. 

I filed disputes with Experian, Equifax, and TransUnion, attaching the proof from XXXX XXXX, my FTC Identity Theft Affidavit, and police report. 

Despite being provided with this verification, the credit bureaus have not blocked or deleted the fraudulent tradeline, as required under FCRA 605B ( Identity Theft Blocks ).

Under FCRA 605B, credit bureaus are required to block fraudulent information from a consumers file within four business days after receiving proof of identity theft and supporting documentation.

All three bureaus have failed to comply, continuing to report this fraudulent Apple Card account even after : XXXX XXXX verified it was fraudulent ; and I submitted official proof including an FTC Identity Theft Affidavit and police report. 

This ongoing inaccuracy has caused the following harm : Lowered my credit score Increased my debt-to-income ratio Added negative and false payment history Caused emotional and financial distress

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-10-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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

Complaint narrative:
I was not informed that my XXXX  XXXX credit card had been closed in middle to late XXXX until I was shocked to see my credit had fallen over XXXX points, so then I disputed this with Experian and XXXX XXXX only to have my credit go up more during the dispute process and then be updated again in XX/XX/XXXX to see another XXXX point deduction. As someone who has only ever had one late payment on that card and very particular about my credit see how they can close an account and then have Experian knock me for the same closed account twice seems a little ridiculous to me.

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding NATIONSTAR/MR COOPERs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. 
NATIONSTAR/MR COOPER has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. NATIONSTAR/MR COOPER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account is invalid and should be eliminated from my file right away. I did not consent to its creation. Attached are my records.

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 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: AR

Complaint narrative:
b'I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results \nof that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. \nThese continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial \nresponsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 \net seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be \nthoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit reportXXXX 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 XXXXEXPERIAN XXXX XXXX XXXX XXXXEXPERIAN 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 XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
b'I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results \nof that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. \nThese continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial \nresponsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 \net seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be \nthoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit reportXXXX 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 XXXXEXPERIAN XXXX XXXX XXXX XXXXEXPERIAN 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 XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN 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 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 explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX I sent money by mistake through XXXX using US BANK. I filed a claim by calling the bank XXXX minutes later on the same date, XX/XX/year>. I requested a refund of {$120.00}. I will attach my account statement showing the money transfer. 

U.S BANK XXXX $ XXXX my checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I apologize for making an incorrect payment, but I will file this complaint through you to recover my money.

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