vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal dispute and request the permanent removal, blocking, and deletion of the following inaccurate and unauthorized accounts appearing on my credit report. These items are being disputed under my rights provided by the Fair Credit Reporting Act ( FCRA ), Section 605B, which requires credit reporting agencies to block and delete information that is the result of identity theft or inaccurate reporting. 

The following accounts are disputed and must be immediately deleted : Creditor Name Date Opened Reported Balance Action Requested XXXX XX/XX/XXXX {$19000.00} Delete/Block XXXX XXXX XX/XX/XXXX {$3700.00} Delete/Block XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Delete/Block XXXX XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Delete/Block XXXX XXXX XX/XX/XXXX {$550.00} Delete/Block XXXX XXXX XXXXXX/XX/XXXX {$18000.00} Delete/Block These accounts are inaccurate and do not belong to me, nor do they reflect my true credit history. Under FCRA 605B, I am requesting that these accounts be permanently blocked from my credit file and not reinserted unless the furnishers of information can provide verified, written proof of ownership and authorization. 

I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) and each credit reporting agency ( Equifax, Experian, and TransUnion ). 

Please confirm in writing that these accounts have been permanently deleted or provide me with documentation verifying the validity of each account within the legally required timeframe. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I applied and was issued a credit card with Chase bank. The card had a {$350.00} annual fee which is due on the first statement. I paid the statement in full on XX/XX/XXXX. During the month of XXXX I received a letter from Chase indicating that they were closing my account. No explanation given. I called the phone number provided in the letter and spoke with a Chase representative that identified themselves as a manager. I asked for my annual fee of {$350.00} to be refunded to me. The representative indicated that annual fees are only refunded if the account is closed with 40 days. Around 50 days had transpired at the time of the tele conversation. Chase decided to close my account within 2 months of it being opened. Charged an annual fee but refuses to return even a prorated amount. This is unacceptable to me and should be to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: UT

Complaint narrative:
I was given a gift card with {$100.00} balance along with the receipt. It was unopened. When I went to the website to activate, there were already two charges on it from another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
Im deeply concerned because these inaccurate accounts continue to appear on my credit reports, and none of them have been taken out. I am pleading for a full review of the documents I attached so I can finally have some peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>2025, I made a purchase at XXXXXX/XX/XXXX in XXXX XXXX, Florida for {$240.00}. The product was advertised and sold to me as 100 % human hair extensions. After purchase, I discovered the item was synthetic fiber, not human hair as represented. 

I returned the product to the store. The store XX/XX/XXXX acknowledged the hair appeared faulty and stated she needed to speak with her superior to determine the next steps. However, the merchant later refused to issue a refund, claiming they have a no exchange or refund policy. 

That policy did not exist or was not disclosed at the time of purchase. It was not posted in-store, not printed on the receipt, and not on the merchants website or social media pages at the time of sale. The only evidence the merchant provided was a handwritten note without a date, store identifier, or timestamp which is not credible documentation of an official policy. 

I filed a dispute with Chase Bank, citing Product not as described. Chase initially issued a provisional credit, then reversed it and denied the claim, labeling it an invalid dispute. Chase relied solely on the merchants unverified handwritten note as justification, without conducting a reasonable or thorough investigation. 

When I requested that the claim be reviewed or appealed, Chase told me it could not be reopened. I explained that the documentation from the merchant was hearsay and insufficient to prove policy disclosure or product authenticity. Chase still refused to review or reopen the dispute. 


Why I am filing this complaint Chase Bank failed to meet its obligations under federal law, specifically : Electronic Fund Transfer Act ( 15 U.S.C. XXXX ) Regulation XXXX ( XXXXXX/XX/XXXXXXXX ) Both require financial institutions to conduct a good-faith investigation and resolve errors fairly when a consumer disputes an electronic transaction. Chases investigation was incomplete, one-sided, and based entirely on unverified merchant claims, violating those requirements. 

Additionally, the merchants actions selling synthetic hair labeled as human hair, fabricating a no refund policy after the fact, and submitting false documentation constitute unfair and deceptive trade practices under the Federal Trade Commission Act ( 15 U.S.C. XXXX ) and the Florida Deceptive and Unfair Trade Practices Act ( XXXX XXXX. XXXX et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NY

Complaint narrative:
I am filing this complaint because several items being reported on my credit file are false, inaccurate, and unverifiable. These errors violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting an immediate and full investigation into the inaccurate address, charge-off, late payment account, and unauthorized inquiry listed below. The continued reporting of these items is causing serious harm to my credit profile and financial reputation. 

ACCOUNT : XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Late Payments * * This account reflects late payments that are inaccurate and unverified. Under FCRA 611 ( a ) and 623 ( b ) ( 1 ) ( D ), the furnisher must correct or delete information that can not be substantiated. I have repeatedly requested verification of the alleged late payments, but no creditor documentation has been supplied. Reporting unverifiable payment history violates the accuracy requirements of 607 ( b ). The bureau has failed to ensure maximum possible accuracy as required by law, which has caused me ongoing harm and misrepresentation of my payment history. 
ACCOUNT : XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Late Payments * * This account continues to reflect false late payment data despite multiple disputes. XXXX XXXX has not provided any legitimate record proving I was late or that proper billing statements were sent. Under FCRA 611 ( a ) ( 1 ) ( A ), if an item can not be verified, it must be removed. The continued presence of inaccurate payment information violates both 602A and 607 ( b ), which guarantee fairness, accuracy, and integrity in consumer reporting. The account must be deleted or corrected immediately under 611 ( a ) ( 5 ) ( A ). 
INQUIRY : XXXX  Date : XX/XX/XXXX This unauthorized inquiry is inaccurate and was performed without my consent or permissible purpose. Under FCRA 604 ( a ) ( 3 ) and 607 ( b ), only authorized inquiries with written consumer consent may appear on a report. No such documentation has been provided. Continued reporting of this inquiry violates 602A and 611 ( a ) ( 5 ) ( A ) and it must be deleted immediately.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) ensure that the credit reporting agencies and furnishers involved perform a proper reinvestigation, delete or correct all inaccurate data, and provide written proof of compliance. These repeated violations of federal law have caused me financial and emotional harm. I am demanding full accountability and the immediate deletion of all disputed items from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I have contacted Genesis multiple times through XXXX XXXX and directly through the credit bureaus to dispute a fraudulent account that appears on my credit report. I have informed Genesis that I have never lived at XXXX XXXXXXXX or had any association with that address. Despite this, Genesis has refused to remove the inaccurate information. 
I am requesting the XXXX XXXX XXXX XXXX assistance in having this fraudulent account removed from my credit report. I also ask that the CFPB make note of XXXX ongoing refusal to correct inaccurate data and its potentially deceptive and aggressive practices toward consumers. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Integras Capital Recovery LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a certified Debt-Validation and Cease-Reporting Demand to Integras Capital Recovery, LLC after XXXX XXXX XXXX confirmed in writing that this account was sold to Integras on XX/XX/XXXX. USPS tracking shows the letter is currently en route. Despite more than a year passing since XXXX sale confirmation, Integras has never made any contact or provided validation.

In previous CFPB cases I have filed, neither the original furnisher XXXX XXXX XXXX XXXX ( CFPB Case # XXXX ) nor the subsequent buyer and furnisher XXXX XXXX XXXX XXXX XXXX ( CFPB Case # XXXX ) were able to validate this account. 

I am documenting this with the CFPB to ensure compliance and to prevent any continued unlawful furnishing, resale, or collection of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$140.00} XXXX  XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$140.00} XXXX  XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA, Section 611 ) regarding a mixed file identity error in my LexisNexis consumer report.

Despite contacting LexisNexis three times by phone and providing all identification documents, my file continues to include information belonging to another individual named XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
These incorrect records include multiple XXXX XXXX XXXX policies and claims that have nothing to do with me. I have never lived in California, never owned these vehicles, and have no connection to XXXX XXXX. 
My correct information is : Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Drivers License State : New Jersey LexisNexis Consumer Number : XXXX LexisNexis has failed to properly reinvestigate and remove these false records after multiple disputes, which violates FCRA 611.

I am requesting that CFPB require LexisNexis to : Permanently delete all incorrect data associated with XXXX XXXX and the California address ; Provide me with a corrected and verified report containing only my personal records ; Confirm completion of correction in writing. 
I am attaching copies of my LexisNexis report ( with the California records highlighted ) and the reinvestigation result letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Its heartbreaking to see that the same inaccurate accounts are still listed on my credit reports. Please, I need someone to go over the documents I attached with full attention so I can stop living with this constant worry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Over 2 years I have had my account hacked or have had my identity stolen. I had 4 separate incidents where the amounts of {$1700.00}, {$3200.00}, {$1400.00} and {$1200.00} was transferred from my account via XXXX XXXX  and XXXX XXXX  some times even being used in transactions in new Mexico and Arizona. I spoke with merchants while On the phone with chime I filed police reports I even sent In over 10 different documents of new information to them. For all 4 of the disputes chime has repeated the same thing and have sent me the same email stating why my dispute was denied when I asked for reasons they emailed the same letter on 4 saying that due to my login in time and account take over factors my dispute was denied. This is completely false and I have gotten no proof beside what they say is the reason for the denial of my dispute I have no clue who's XXXX XXXX or XXXX account was used I don't know how I can be in new Mexico, Arizona and California at the same time. At this time I have been seeking help here then will go to a lawyer ( since chime has closed my account and I have no access to transactions )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The company JPMCB card services has a account on my credit report for XXXX dollars this is not my account. I don't know why it is on my credit profile. The account needs to be removed from my credit report because it is harming my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX  XXXX Balance : {$320.00}

Company response to consumer: Closed with non-monetary relief