vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase Bank , N.A . has been continuously and knowingly furnishing inaccurate credit information since XX/XX/XXXX. The account in question has been reported each month as a Charge-Off with a balance of approximately {$8600.00}, despite the fact that a default judgment was entered on XX/XX/XXXX, in JPMorgan Chase Bank , N.A . v. XXXX XXXX ( XXXX XXXX, XXXX XXXX, TX, XXXX  XXXX ). 

On XX/XX/XXXX, Chase sold or assigned this account to a third-party collector. From that date forward, Chase ceased to be the owner or servicer of any balance, yet the company has continued to furnish data to XXXX XXXX XXXX as though it still owns the account. Each month, the tradeline updates as a new Charge-Off, showing a current balance that Chase no longer has any right to claim.

I sent two separate written disputes under the Fair Credit Reporting Act ( FCRA ) to Chase one dated XX/XX/XXXX, and another dated XX/XX/XXXX both delivered via certified mail and signed for on XX/XX/XXXX and XX/XX/XXXX, respectively. Chase failed to respond, failed to investigate, and failed to correct or delete the inaccurate information within the time required by law. 

As of todays date, both XXXX XXXX XXXX continue to display this inaccurate Charge-Off entry under the name JPMCB Card Services, updated monthly, including XX/XX/XXXX. 

This false reporting has severely harmed my creditworthiness, caused multiple denials of credit, and resulted in medical emergencies due to stress, anxiety, and elevated XXXX XXXX requiring hospitalization, ongoing medication, and treatment for anxiety-related conditions.

I believe this pattern constitutes willful and negligent non-compliance with the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681e ( b ), as well as continued publication of inaccurate information despite notice and opportunity to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit report agency, block information appearing on my consumer credit report due to the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account Name : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of 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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: KY

Complaint narrative:
My account was closed because they said I filed a XXXX  XXXX bankruptcy when I asked for my money back they said they can not give it back because of there policy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute, for the second time, the reporting of my XXXX XXXX XXXX account, account number ending in XXXX, with a balance of {$4900.00}, opened on XX/XX/XXXX. My credit report inaccurately lists this account as a charge-off, while it is in fact tied to an open account showing late payments, including a past-due balance of {$1200.00} as of XX/XX/XXXX, with 30 days late in XXXX, 60 days late in XXXX, and 90 days late in XXXX. Reporting this account as a charge-off while it remains open and actively accruing late payments is misleading and creates significant inconsistencies in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Repeatedly requested Paper Only Statements. They have repeatedly kept trying to tell me they need me to use paperless billing. I do not own a computer and have to borrow a neighbor to help look at the account online. They keep charging me interest on late payments even when I do not get a statement.

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 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Equifax Information Services LLC Experian XXXX XXXX XXXX XXXX. 
XXXX  XXXX Subject : Formal Request for Block and Removal of Identity TheftRelated Entries under 15 U.S.C. 1681c-2 ISSUE IDENTIFICATION Request for the blocking and permanent removal of all negative, derogatory, or collection items from the credit file below identified in the attached credit report as resulting from identity theft, in accordance with federal statuteXXXX XXXX XXXX 15 U.S. Code 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

APPLICATION TO FACTS Enclosed are : FTC Identity Theft Report ( from XXXX ), establishing the statutory proof of identity theft ; XXXX identification ( to satisfy subsection ( a ) ( A ) ) ; Credit report dated XX/XX/year>, identifying the following negative/derogatory items to be blocked : Collection Accounts to be Blocked : XXXX {$1100.00} XXXX {$2900.00} XXXX XXXX ( Acct XXXX XXXX {$920.00} XXXX XXXX  {$670.00} XXXX {$2400.00} XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX  {$130.00} ( closed ) Other Derogatory or Delinquent Marks : All XXXX delinquent or derogatory entries listed in report summary dated XX/XX/year>. 

These accounts were neither authorized nor initiated by the undersigned consumer and are the direct result of fraudulent identity use. 

XXXX XXXX XXXX presumption of debt validity exists in statutory text. Any doctrine of account accuracy presumption applied by bureaus or furnishers arises from administrative or judicial inference and is hereby nullified. Only statutory compliance with XXXX controls. 

CONCLUSION OF LAW Pursuant to XXXX U.S.C. XXXX ( a ), all items listed above must be blocked from reporting within XXXX business days of receipt of this letter and accompanying documents. 
Under XXXX ( b ), reinsertion is prohibited unless verifiable evidence of accuracy and consumer authorization is produced and notice provided as required by law. 


Enclosures : FTC Identity Theft Report ( identitytheft.gov ) Copy of Government ID Credit Report ( XX/XX/year> ) Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/year> I have received {$75.00} into my XXXX  account. I want to transfer the money to my bank. I tried to add my bank to my XXXX  account. There was a software error generating an error message that says "! Error please try again ''. Every time I try again it will not add my bank account. It will not add any of my bank accounts. It will not add my bank account on ANY browser that I am using. It will not allow me to add my bank account using the app on my phone ( although that error message is different, it says " Form submission error ''.

I was falsely told by the support team that the reason I wasnt able to add my bank account was because I had not verified my identity through the app, which is not true. I had not gone through the app to verify my identity at any time in the years I have had my XXXX  account and I have been able to add and remove my bank account many times. To be fair, I followed her suggestion
and added the app to my phone and verified my identity and after that, the error message still came up and prevented me from adding my bank account, proving her to be wrong about her assessment of the cause of the error.

After that, she provided no resolution. I am not able to add any bank account, and therefore XXXX  is denying me access to my funds. They need to fix the bug in the software that is preventing me from adding my bank accounts OR they need to explain what the cause of the error and how to work around it so I can have access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: GA

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and unverifiable items being reported on my credit reports by several furnishers and credit bureaus. Despite my previous efforts to have these inaccuracies investigated and corrected, they continue to appear and damage my credit reputation.

1. Wrong Addresses Reported The following addresses appearing on my credit file are completely inaccurate and have no connection to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are erroneous and must be permanently removed from my credit profile.

2. Inaccurate and Unverifiable Accounts The following accounts are being inaccurately reported and must be deleted immediately as I have no knowledge of them and have never authorized or opened such accounts : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$7800.00} Collection XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$28000.00} Charge Off XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$610.00} Collection XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$34.00} Charge Off I have no knowledge of these accounts, and the creditors have failed to provide any verifiable documentation proving my authorization or liability for these debts. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 611, and 623, furnishers are required to report accurate information and must not continue reporting unverifiable data.

3. Unverified Hard Inquiries The following inquiries appear on my credit report without my authorization or consent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries, and they represent a potential breach of my personal information. These unauthorized inquiries should be removed immediately.

Requested Action I am requesting that the CFPB investigate these inaccuracies and ensure that all the following actions are taken promptly : Remove the wrong addresses from my credit reports.

Delete all unverifiable and fraudulent accounts listed above.

Remove the unauthorized hard inquiries.

Ensure that the credit bureaus ( Equifax, XXXX and XXXX ) update and correct my file accordingly. 

These inaccurate items have caused unnecessary harm to my credit reputation and financial opportunities. I request that the CFPB hold the data furnishers and credit reporting agencies accountable for their violations of the Fair Credit Reporting Act.

Please confirm receipt of this complaint and provide me with updates regarding the investigation and resolution.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COLLECTION AND REPORTING ACTIVITIES REGARDING THE ACCOUNT REFERENCED BELOW, AS THE INFORMATION YOU ARE PROVIDING OR HAVE PROVIDED TO CREDIT REPORTING AGENCIES IS INACCURATE, UNVERIFIABLE, AND IN DISPUTE.

UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 ET SWQ., AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 U.S.C . 1692 ET SEQ., I HAVE THE RIGHT TO DISPUTE ANY INACCURATE OR UNVERIFIED INFORMATION AND TO REQUEST THAT SUCH INFORMATION NOT BE REPORTED UNTIL ITS ACCURACY IS CONFIRMED. YOU HAVE FAILED TO PROVIDE SUFFICIENT VERIFICATION OF THIS ACCOUNT ; THEREFORE, CONTINUED REPORTING OR COLLECTION ACTIVITIY CONSTITUTES A VIOLATION OF FEDERAL LAW.

I AM DEMANDING YOU : 1. ) IMMEDIATELY CEASE ANY AND ALL COLLECTION EFFORTS REGARDING THIS ACCOUNT. 2. ) REFRAIN FROM REPORTING OR RE-REPORTING THIS ACCOUNT TO ANY CREDIT REPORTING AGENCY UNTIL THE DEBT HAS BEEN FULLY VALIDATED. 3. ) REMOVE OR DELETE ANY INACCURATE, INCOMPLETE, OR UNVERFIABLE INFORMATION CURRENTLY BEING REPORTED.

FAILURE TO COMPLY WITH THIS REQUEST MAY RESULT IN FURTHER ACTION, INCLUDING FORMAL COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), THE FEDERAL TRADE COMMISSION ( FTC ), AND MY STATE ATTORNEY GENERAL 'S OFFICE. ADDITIONALLY, I RESERVE THE RIGHT TO PURSUE CIVIL REMEDIES FOR ANY VIOLATIONS OF MY RIGHTS UNDER THE FCRA AND FDCPA.

PLEASE PROVIDE A WRITTEN CONFIRMATION THAT YOU HAVE COMPLIED WITH THIS CEASE-AND-DESIST REQUEST WITHIN 15 DAYS OF RECEIVING.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation and dispute request to XXXX XXXX XXXX XXXX regarding an alleged debt they claim I owe. Despite my timely request, the company has failed to provide any documentation validating or verifying the debt. 

Despite their failure to validate the debt, Absolute Resolutions has continued to report this unverified debt to the credit reporting agencies, including TransUnion. This action violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA ( XXXX U.S. Code XXXX ), a debt collector must cease collection activitiesincluding credit reportinguntil the debt is validated. Under the FCRA ( XXXX U.S.C. XXXX ), furnishers of information must ensure that any data reported to credit bureaus is accurate and verifiable. 
I am requesting the following actions : - That XXXX XXXX XXXX XXXX immediately cease all collection and reporting activities permanently blatant and intentional violation of my rights. 
- That TransUnion remove the unverified debt from my credit report. 
- That the CFPB investigate XXXX XXXX XXXX XXXX for noncompliance with federal law. 

See CFPB Complaint ID XXXX as proof of dispute. 

This unresolved issue has caused significant financial harm, including mortgage denial, homelessness, and repeated credit denials. I respectfully request immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I showed Experian that the debt to XXXX was not owed and they still put a collections mark on my credit report.

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