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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I deposited a XXXX 401 ( k ) disbursement check into my Chase checking account on XX/XX/year>, for {$49000.00}. The deposit shows in my present balance, but Chase is holding the funds until XX/XX/year>. 

I am currently in an emergency hardship situation : I have no access to shelter or food while waiting for this check to clear. I have called and chatted multiple times requesting a partial early release or provisional credit to cover basic needs, but Chase continues to deny the request and refuses to escalate the issue properly. 

This check is from a verified source a 401 ( k ) retirement plan from XXXX and there is no reason the full amount should be held for 11 days. Im asking the CFPB to step in and review Chases handling of this deposit and their refusal to accommodate a documented emergency. 

I am asking that they release a partial amount from the check ( enough to pay for a hotel and food ) while the rest clears.

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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed JPMorgan Chase a formal, certified settlement offer regarding a charged-off business credit card account ( Account XXXXXXXX XXXX XXXX XXXX XXXX  ). The letter outlined a conditional settlement offer requiring written confirmation from Chase that, upon receipt of a {$310.00} payment, they would delete the tradeline from all consumer reporting agencies. USPS tracking confirms the letter was delivered XX/XX/year>. 

I received no response. On XX/XX/year>, I sent a follow-up letter reiterating the terms and requesting written confirmation within five business days. That letter was delivered on XX/XX/year>. Again, I received no response within the requested timeframe. On XX/XX/year>, Chase sent a generic letter referencing my concern but failed to address the content of either of my certified letters. 

At no point did Chase respond to the specific terms of the proposed resolution. They have continued to report this tradeline negatively despite failing to acknowledge or engage with my mailed offers or dispute. 

I am now disputing this account on the basis that Chase failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), including its duty to investigate disputes in a timely and meaningful manner under 611. Their response was non-substantive, and their continued derogatory reporting is inaccurate given the pending dispute and absence of any resolution.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate Name Variations XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SSN : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Name Variations under FCRA 609 ( a ) & 610 ( a ) To Whom It May Concern, I am writing to formally dispute and request the permanent deletion of all inaccurate, incomplete, or unrecognized name variations listed on my credit report. 



My Correct Legal Name : XXXX XXXX Remove the Following Inaccurate Names ( Examples ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Any other name not matching official government-issued ID or SSN records These name variations are not my legal identity and were likely introduced through data entry errors, unauthorized applications, or incorrect reporting. Maintaining these alternate names may contribute to : Mixed files Identity confusion Reporting of accounts or inquiries not belonging to me LEGAL BASIS FOR REMOVAL Under the Fair Credit Reporting Act ( FCRA ) : 609 ( a ) : You are required to provide me with full and accurate information in my credit file 610 ( a ) ( 1 ) : If any item of information can not be verified, it must be deleted 607 ( b ) : All information must be reported with maximum possible accuracy REQUESTED ACTIONS Remove all inaccurate, unauthorized, or incomplete name variations immediately Ensure only my correct legal name ( XXXX XXXX ) is maintained in my credit file Mail confirmation of removal and an updated credit file copy to the address listed above If these name errors are not corrected within 30 days, I will escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under FCRA 1681n & 1681o. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate Name Variations XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SSN : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Name Variations under FCRA 609 ( a ) & 610 ( a ) To Whom It May Concern, I am writing to formally dispute and request the permanent deletion of all inaccurate, incomplete, or unrecognized name variations listed on my credit report. 



My Correct Legal Name : XXXX XXXX Remove the Following Inaccurate Names ( Examples ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Any other name not matching official government-issued ID or SSN records These name variations are not my legal identity and were likely introduced through data entry errors, unauthorized applications, or incorrect reporting. Maintaining these alternate names may contribute to : Mixed files Identity confusion Reporting of accounts or inquiries not belonging to me LEGAL BASIS FOR REMOVAL Under the Fair Credit Reporting Act ( FCRA ) : 609 ( a ) : You are required to provide me with full and accurate information in my credit file 610 ( a ) ( 1 ) : If any item of information can not be verified, it must be deleted 607 ( b ) : All information must be reported with maximum possible accuracy REQUESTED ACTIONS Remove all inaccurate, unauthorized, or incomplete name variations immediately Ensure only my correct legal name ( XXXX XXXX ) is maintained in my credit file Mail confirmation of removal and an updated credit file copy to the address listed above If these name errors are not corrected within 30 days, I will escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under FCRA 1681n & 1681o. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of the ones in the ftc report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of the ones in the ftc report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: OH

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 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: Experian Information Solutions Inc.
State: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Company : Chime Subject : Sudden Withholding of Funds & Supervisor Misconduct Im reporting a serious issue with how Chime is handling my pay advance balance and recent transfers to my account.

I had an outstanding pay advance balance from XXXX. In XXXX and XXXX, I received multiple deposits over {$200.00}, but Chime never collected repayment despite your own terms stating that any deposit can be used if no qualifying one is made by the due date. 

Suddenly in late XXXX, Chime withdrew {$90.00} and {$49.00} from funds recently transferred to my account money I specifically added to cover important bills. I was given no warning, and this unexpected withdrawal has now left me unable to handle critical payments. 

When I contacted support, I received three different explanations : One agent said there was a delay in the system.

Another claimed Chime randomly chooses when to take deposits.

A third stated Chime just updated its system on XX/XX/XXXX, triggering the withdrawals. 

I asked to escalate. The supervisor I was transferred to was unhelpful, dismissive, and ultimately hung up on me mid-call without offering any resolution which is unprofessional and unacceptable.

Im not refusing to repay what I owe. I am asking for fairness, consistency, and clear communication none of which I received. Chime had multiple opportunities to collect months ago, and now has created unnecessary hardship. 

I am requesting : An immediate return of the {$130.00} withdrawn A proper repayment plan in writing A formal review of the supervisors conduct on the call If this issue is not resolved promptly, I will be filing complaints with the CFPB, BBB, and other relevant consumer protection channels. 

Sincerely, [ Your Full Name ] [ Phone Number ] [ Email / Chime Account ID, if you wish to include it ]

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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