vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
I am submitting this complaint to formally report ongoing violations of the Fair Credit Reporting Act by EXPERIAN and TRANSUNION, both of which have failed to maintain accurate consumer credit files and to conduct reasonable reinvestigations after disputes were submitted. Upon reviewing my credit reports, I discovered that EXPERIAN is reporting an incorrect address, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, along with unauthorized credit inquiries that I did not initiate, authorize, or consent to, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, all of which were reported without a permissible purpose as required under FCRA 604 ( a ). These inquiries falsely suggest credit-seeking behavior and negatively impact my creditworthiness despite the absence of any consumer-initiated application. Additionally, TRANSUNION is reporting an incorrect address, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX, which has never been associated with me and does not belong on my consumer file. The reporting of inaccurate personal identifying information creates a substantial risk of misidentification, improper data matching, and the potential inclusion of accounts or inquiries belonging to another individual. Both credit reporting agencies are obligated under FCRA 604 ( a ) to ensure maximum possible accuracy and under FCRA 611 to conduct reasonable reinvestigations of disputed information, yet these inaccuracies continue to be reported despite my efforts to correct them. The continued presence of these errors demonstrates a failure by both bureaus to properly verify data, to ensure lawful permissible purpose before granting access to my consumer report, and to protect my rights as a consumer. These violations have caused ongoing harm by damaging my credit profile, undermining my financial reputation, and exposing me to unfair lending decisions based on false and unverifiable 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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been a Capital One customer for over 20 years and have held my current credit card for the past six years. Throughout this time, I have never received account notifications via app, email, or text messages, including alerts for transactions and replacement cards. 
For example, I received a replacement credit card tonight via XXXX, but no notification was sent. My web/email alert settings under my profile are grayed out, preventing me from enabling notifications. 
I have contacted Capital One multiple times over the years regarding this issue ( with XXXX notes documented on my account ), yet the problem has never been fixed. Most recently, the issue was escalated on XX/XX/year>, and I was advised to wait XXXX business days before following up. Despite this, notifications remain nonfunctional. 
Customer service responses are consistently scripted, and previous escalations have not resolved the problem. I am unable to monitor my account effectively due to missing notifications, and this issue has persisted for years despite repeated attempts to fix it. 
I am requesting that Capital One : Ensure that notifications ( app, email, text ) work for all account events, including replacement cards and transactions. 
Fix web/email alert settings so they are no longer grayed out. 
Confirm that the fix has been applied. 
Permanently resolve the issue so notifications work reliably going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: 2288984 Ontario Inc.
State: WI

Complaint narrative:
I DIDN'T KNOW I COULD DISPUTE THIS DEBT AS IT WAS SOLD TO ANOTHER COMPANY WITHOUT MY PERMISSION. AND THE AMOUNT IS INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to formally dispute the reporting of a bankruptcy that has been incorrectly included in my credit file. I have official documentation from the court verifying that this bankruptcy should not be reported to any credit reporting agency under any circumstances. The fact that it still appears on my credit report is both inaccurate and misleading. To make matters worse, there seems to be an unauthorized third party involved in this situation, which raises even greater concern regarding how this information was obtained and reported. Such an occurrence not only violates my privacy but also calls into question the accuracy and reliability of the data being shared under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NM

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-12-18 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: NY

Complaint narrative:
I am submitting this complaint regarding Chimes handling of a series of fraudulent debit card transactions and their failure to provide provisional credit as required under applicable consumer protection regulations. 

On XX/XX/XXXX, my wallet, phone, and personal belongings were misplaced, and as a result, my Chime debit card was not in my possession. During this period, a series of unauthorized charges were made to my debit card at XXXX XXXX, totaling a significant amount. I did not authorize, initiate, or benefit from any of these transactions. 

Once I became aware of the fraudulent activity, I promptly reported the charges to Chime and submitted a dispute ( DisputXXXX XXXX XXXXXXXX ), along with documentation showing the timing, frequency, and pattern of the unauthorized transactions. The rapid succession and volume of these charges are inconsistent with my normal account activity and strongly indicate fraud. 

Despite providing timely notice and evidence that my debit card was compromised while not in my possession, Chime has failed to issue provisional credit for the disputed amounts while the investigation is ongoing. This failure has caused financial hardship and is inconsistent with the protections afforded to consumers under the XXXX XXXX Transfer Act ( Regulation XXXX ), which generally requires provisional credit within 10 business days when fraud is reported promptly. 

I respectfully request that the XXXX  assist in resolving this matter and that Chime : XXXX. Immediately issue provisional credit for all disputed XXXX XXXX transactions XXXX. Refund the full amount of the fraudulent charges upon completion of their investigation XXXX. Provide a written explanation supporting any determination that a disputed charge is valid I am acting in good faith and am requesting the consumer protections to which I am entitled. Supporting screenshots of the unauthorized transactions are attached for reference. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XX/XX/year> Credit Collection Service XXXX XXXX XXXX XXXX SC XXXX To Whom It May Concern, I am writing in reference to the above-referenced account, which your company claims to be collecting.

Pursuant to my rights under applicable state and federal law, including the Fair Debt Collection Practices Act ( FDCPA ), I am requesting written proof of assignment, authority to collect, and proof of contract related to this alleged debt.

Please provide the following documentation : Proof that the debt was legally assigned or transferred to your company, including the chain of assignment The date of assignment and the names of all prior owners of the debt Documentation showing your companys legal authority to collect on this account A copy of the original contract or agreement bearing my signature that created the alleged obligation A complete accounting of the amount claimed, including principal, interest, fees, and charges Until such documentation is provided, please consider this account formally disputed. I request that all collection activity cease until proper verification is furnished, as required by law.

This letter is not an acknowledgment of liability, nor is it a promise to pay. It is a request for validation only. 
Please respond in writing to the address listed above. 
Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Last XXXX of XXXX : XXXX Company / Creditor : Sunrise Credit Services , Inc . 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account : Alleged XXXX Collection Balance {$550.00} Date of Original Dispute Letter : XX/XX/year> Complaint Summary I am disputing an alleged debt reported by Sunrise Credit Services for a XXXX account. I sent a certified dispute letter on XX/XX/year>, requesting full validation and proof of this debt, including the original contract, itemized ledger, and documentation showing their legal right to collect. 

The company never responded. 

I then submitted disputes to the credit reporting agencies ( TransUnion, Experian, Equifax ). The only response I received was verified, without any supporting documentation. This is insufficient and violates federal law.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
am disputing XXXX XXXX  response because it fails to comply with the Fair Credit Reporting Act and does not address the specific inaccuracies raised in my complaint. 

XXXX XXXX response states that the account information was accurate and references a prior response, but it does not provide any documentation, account records, or evidence demonstrating how this conclusion was reached. A conclusory statement of accuracy does not satisfy the requirement to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

Additionally, the response fails to address that the account continues to be reported in a misleading and inaccurate manner as both charged off and past due. Once an account is charged off, it should no longer be reported as past due. Reporting both statuses simultaneously violates the requirement that consumer reports be accurate and not misleading under 15 U.S.C. 1681e ( b ).

I also requested verification of the Date of First Delinquency, which governs the lawful reporting period for a charged-off account under 15 U.S.C. 1681c ( a ) ( 4 ). This information was not provided or addressed in XXXX XXXX  response. 

Furthermore, after receiving notice of my dispute through the CFPB, XXXX XXXX  was required to conduct a reasonable investigation and review all relevant information under 15 U.S.C. 1681s-2 ( b ) ( 1 ). Simply restating a prior denial without addressing the specific inaccuracies raised does not demonstrate that a reasonable investigation occurred.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
am disputing XXXX XXXX response because it fails to comply with the Fair Credit Reporting Act and does not address the specific inaccuracies raised in my complaint. 

XXXX XXXX  response states that the account information was accurate and references a prior response, but it does not provide any documentation, account records, or evidence demonstrating how this conclusion was reached. A conclusory statement of accuracy does not satisfy the requirement to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

Additionally, the response fails to address that the account continues to be reported in a misleading and inaccurate manner as both charged off and past due. Once an account is charged off, it should no longer be reported as past due. Reporting both statuses simultaneously violates the requirement that consumer reports be accurate and not misleading under 15 U.S.C. 1681e ( b ).

I also requested verification of the Date of First Delinquency, which governs the lawful reporting period for a charged-off account under 15 U.S.C. 1681c ( a ) ( 4 ). This information was not provided or addressed in XXXX XXXX response. 

Furthermore, after receiving notice of my dispute through the CFPB, XXXX XXXX was required to conduct a reasonable investigation and review all relevant information under 15 U.S.C. 1681s-2 ( b ) ( 1 ). Simply restating a prior denial without addressing the specific inaccuracies raised does not demonstrate that a reasonable investigation occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
am disputing XXXX XXXX  response because it fails to comply with the Fair Credit Reporting Act and does not address the specific inaccuracies raised in my complaint. 

XXXX XXXX  response states that the account information was accurate and references a prior response, but it does not provide any documentation, account records, or evidence demonstrating how this conclusion was reached. A conclusory statement of accuracy does not satisfy the requirement to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

Additionally, the response fails to address that the account continues to be reported in a misleading and inaccurate manner as both charged off and past due. Once an account is charged off, it should no longer be reported as past due. Reporting both statuses simultaneously violates the requirement that consumer reports be accurate and not misleading under 15 U.S.C. 1681e ( b ).

I also requested verification of the Date of First Delinquency, which governs the lawful reporting period for a charged-off account under 15 U.S.C. 1681c ( a ) ( 4 ). This information was not provided or addressed in XXXX XXXX  response.

Furthermore, after receiving notice of my dispute through the CFPB, XXXX XXXX  was required to conduct a reasonable investigation and review all relevant information under 15 U.S.C. 1681s-2 ( b ) ( 1 ). Simply restating a prior denial without addressing the specific inaccuracies raised does not demonstrate that a reasonable investigation occurred.

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 2025-12-18 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: TX

Complaint narrative:
I have no association with this account the information on my report is incorrect.

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 2025-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My Chase checking account was frozen for alleged fraud, and Chase restricted access to all of my funds. I was initially told the account would be closed and that Chase would mail me a check for my remaining balance. Chase has refused to provide any explanation for the freeze or closure.

Despite this, Chase later stated that the account is not technically closed and has allowed transactions and service charges to continue posting. Because Chase removed my access to all funds but did not stop outgoing activity or fees, the account balance is now going negative solely due to Chases actions.

When I contacted Chase, I was told to deposit money into the account to cover the negative balance, despite Chase freezing my access to funds and holding every dollar I have. I have no ability to deposit money. Chase has refused to clearly explain the account status, stop fees from accruing, or provide a reasonable way to prevent further financial harm.

I am disputing all overdraft and service fees incurred after the account was frozen and access to funds was restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


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 2025-12-18 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: MA

Complaint narrative:
These accounts do not belong to me, and I request their prompt removal within 15 days under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Santander Consumer USA inaccurately reported a 60+ day late payment on my credit report. 

The delay was caused by Santanders failure to timely provide a clear copy of my retail installment contract to XXXX XXXX XXXX, despite repeated requests. XXXX XXXX confirmed this to me by phone ( calls recorded on their side ). Once I was informed of the issue, I immediately sent the requested document myself. 

This late payment was not caused by me. I previously disputed this issue with the credit bureaus and no correction was made. I am requesting removal of the late payment due to creditor error and inaccurate credit reporting under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
Could you review this entry? It was added late and might be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation