vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Transaction dated XXXXXXXX XXXX XXXX with XXXX for a car rental with XXXX in XXXX. Was charged twice that date for {$1500.00} each, but one was refunded correctly. Second charge was for the actual reservation which was to have the one-way rental fee waived. Upon returning the car with XXXX I was charged the {$150.00} one-way fee anyway because XXXX did not make this agreement with XXXX. I spoke with XXXX and XXXX many times and XXXX has been unable to resolve the issue, just telling me they are working on it ( months later still ). I filed disputes with American Express for the {$150.00} charge and each time they say the issue has been resolved because XXXX refunded one of the initial transactions. They don't read the dispute or attached documentation- they don't even acknowledge I am only disputing the {$150.00} portion of it. I have spoken to numerous agents trying to resolve the issue and they can not- they just open new disputes, make me reupload all the documentation, and then inform me it was already resolve back in XXXX with the refund of the erroneous transaction. I have no other recourse than to file this complaint now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am reporting identity theft involving fraudulent information being reported about me to consumer reporting agencies, Early Warning Services ( EWS ). I have been denied the ability to open a bank account due to negative records that I did not authorize or recognize. These agencies have bought, sold, and shared personal information connected to my identity-including potentially false or fraudulently obtained records-which constitutes unauthorized use of my personal identifying information, as defined under the FTC Identity Theft Act and federal consumer protection laws. 
I have never knowingly opened or authorized any account or transaction that would result in the negative records listed in these reports. I suspect my information may have been compromised due to a prior data breach or lost wallet incident in XX/XX/year>. The continued use, trade, or distribution of these records without my consent is damaging and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a checking account with Chase Bank ( Account ending in XXXX ). On XX/XX/XXXX, Chase closed my account and withdrew the full balance of {$1100.00}. 

However, I was told by Chase representatives that the balance would be sent to me within XXXX weeks after account closure. It has been over XXXX year since then, and I have not received any check, refund, or deposit. 

I have made multiple attempts to contact Chase support and requested information about where my funds were sent, but have not received a clear response or resolution. 
The transaction record does not indicate where the money was sent. No check number, transfer routing/account number, or recipient is listed. 

I am now requesting CFPB to help me recover my {$1100.00} and hold Chase accountable for this unexplained withdrawal and failure to return my money. 

I am attaching a copy of the official bank statement showing the withdrawal and closure of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Received notification from credit reporting bureau that new collection was added to account creditor contract caller inc did not call, email, mail anything regarding collections which goes against my right they just added collections to credit report which is unfair and unlawful and goes against my fcra rights acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
oday, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission.

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 2025-07-14 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: TN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> I have not allowed Experian, TransUnion XXXX Equifax XXXX XXXX XXXX Services to access my information/data. They did not have my direct authorization to use or gain access to my data. This is a clear violation of FCRA and need this removed from my credit report. Also attached it a copy of my fraud report as well since fraud has been committed

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 2025-07-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Account Reporting XXXX XXXXXXXX XXXX, To whom this may concern, I am writing to formally dispute the accuracy and validity of an account currently reported on my credit file under the name XXXX XXXX XXXX, Account # XXXX. 

I dispute the completeness and accuracy of this entry for the following reasons : XXXX. I have not received any proof that XXXX XXXX XXXX owns this debt. 
I have requested validation including the Bill of Sale and Purchase Agreement, but they have failed to provide these documents. Therefore, I have no confirmation that this company has the legal right to report or collect this alleged debt. 
XXXX. The debt has been securitized. 
Based on public filings and financial records ( including a XXXX form I am attaching ), this alleged debt has been bundled and sold as part of a financial security. That means the original creditor, XXXX XXXX, no longer owns it and has no standing to assign it for collection. If XXXX XXXX does not legally own the debt, they have no right to report it on my credit report. 
XXXX. This account is causing harm to my credit and personal well-being. 
Until this debt is validated or removed, it continues to negatively impact my credit and cause me undue stress. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate this account, request proper documentation from the furnisher ( XXXX XXXX XXXX ), and delete the account from my credit report if they can not prove their legal authority to report it. 

Please mail me a copy of the results of your investigation, along with an updated copy of my credit report. 

Thank you for your time and cooperation. 

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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : Formal Complaint - Mishandled Dispute by Chase Card Services XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding Chase Card Services ' handling of a {$5000.00} cruise deposit dispute involving Viking Cruises. Despite comprehensive documentation showing that the core product was not delivered, Chase denied my dispute without adequate explanation or evidence of a full review. 
I paid the {$5000.00} deposit to XXXX XXXX on XX/XX/XXXX, for the 'In Search of the Northern Lights ' voyage scheduled for February 4-15, 2025. The cruise was marketed as an XXXX XXXX Lights experience, featuring ports in the XXXX XXXX XXXX, XXXX, and XXXX. However, just one day into the voyage, all of these destinations were canceled. The ship was rerouted to southern XXXX, eliminating the XXXX portion entirely. 

Onboard staff later admitted these XXXX ports are rarely reached during winter, a fact Viking failed to disclose prior to booking. Additionally, while XXXX initially denied any mechanical issues, an internal email from XXXX XXXX XXXX confirmed a stabilizer failure aboard the XXXX XXXX. 

I initially filed a dispute with Chase in XX/XX/XXXX. After a denial, I submitted a request to reopen the case on XX/XX/XXXX, with updated documentation including XXXX 's internal admission. Chase denied the reopened case within 24 hours on XX/XX/XXXX, without addressing the newly submitted evidence. 

I submitted the same documentation to XXXX XXXX, which handled the remaining {$6700.00} balance of the same cruise. After a full investigation, XXXX ruled in my favor and refunded the full amount. Their determination confirms this is not about minor dissatisfaction, but a material misrepresentation. 
This was not a simple itinerary change. It was a failure to deliver the core XXXX product marketed and paid for. Other cruise lines ( such as XXXX and XXXX ) operated similar XXXX routes during that same period, further disproving XXXX 's weather justification. 

I respectfully request that the CFPB require Chase to : - Conduct a full and documented review of all evidence, including XXXX 's internal admission. 
- Provide a written explanation for why their findings contradict XXXX XXXX 's. 
- Reevaluate the dispute based on misrepresentation and non-delivery, not dissatisfaction. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XX/XX/25 Radius Global Solutions XXXX. XXXX XXXXXXXX XXXX, mn XXXX To Whom This May Concern, i have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection and remove it all together.

Please attach copies of the following documents : - Agreement that you have the authority to collect on this alleged debt.

- Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

- Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Company : Experian Report Number : XXXX Description : I am filing a complaint against Experian for continuing to report inaccurate and outdated negative information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is : DEPT OF ED / XXXX  Date Opened : XX/XX/XXXX Balance : Approx. {$5700.00} Report Number : XXXX This student loan is currently in deferment. However, Experian is reporting serious delinquencies from XXXX ( XXXX and XXXX lates ), which are now over XXXX XXXX XXXX. 

Violations : - FCRA 605 ( a ) ( 5 ) - FCRA 623 ( a ) ( 1 ) ( A ) - FCRA 611 ( a )

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because Experian has continued to report inaccurate and unauthorized personal information on my credit report, despite my repeated written disputes and the submission of appropriate documentation. 

The following addresses are incorrect and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX In addition, Experian is also reporting a name variation that is not mine : Reported in Error : XXXX XXXX My LegaXXXX Name : XXXX XXXX I have provided a valid government-issued photo ID and a utility bill as proof of my legal identity and current address. However, despite these efforts, these false addresses and incorrect name remain on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX, which requires that only accurate and verifiable information be maintained on a consumers file. 

My only correct personal information is : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXXXXXX 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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Last month I was given the option to have gutters installed with 1 year no interest. They only installed XXXX not XXXX gutters like I signed for. I was mailed a credit card bill saying I owned monthly payments as of today and had a credit card I applied for which I did not and I was never send a Wells Fargo credit card! No one will send me where I agreed to these terms with either company but when I looked the account credit card account up online it shows they have already charged me additional fees to this credit card and not a line of credit as was told to me when purchasing the gutters which are not even working. I have reported all these things to XXXX with calls, emails, and texts for XXXX weeks and Wells Fargo I have calling for XXXX weeks for someone to stop this account I never wanted. I have great credit I have worked hard to establish and dont wont it effected by these companies trying to get over on me. XXXXXXXX XXXX guaranteed XXXX satisfaction and are no honoring that and Wells Fargo wants me paying a high interest credit card that I never would have agreed to! Please help me. Thanks, 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing a formal complaint against Experian for failing to protect my personal data and continuing to report accounts that are potentially compromised due to past data breaches. 

Experian has violated several federal consumer protection and privacy laws by reporting accounts without a valid permissible purpose and failing to ensure the lawful handling of my nonpublic personal information ( NPI ), including : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act Disclosure of NPI without consent ) 15 U.S.C. 1681b ( FCRA Permissible Purpose for use of consumer report ) 15 U.S.C. 1681i ( FCRA Failure to properly reinvestigate disputed information ) 15 U.S.C. 45 ( FTC Act Unfair or deceptive practices regarding personal data ) 12 U.S.C. 3401 et seq. ( Right to Financial Privacy Act Misuse of financial records ) 5 U.S.C. 552a ( Privacy Act Unlawful use/disclosure of personal data by entities that handle sensitive records ) Due to these violations, I am demanding the immediate deletion of all accounts reported by third-party debt collectors and any non-original creditor accounts that may have been affected by unauthorized data access or reporting.

I have submitted formal dispute letters to Experian requesting permanent removal. Experian has failed to honor my privacy rights and has not provided proof of a valid, lawful basis for continuing to report these items.

I am asking the CFPB to enforce my rights under federal law and require Experian to delete these unauthorized, improperly reported, and privacy-compromising accounts from my credit file

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