vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: MI

Complaint narrative:
What Happened I am submitting this complaint because TransUnion, Experian, and Equifax have failed to correct multiple inaccurate and unverifiable items on my credit reports despite receiving my formal FCRA dispute package and FTC Identity Theft Report. 

I was a victim of identity theft and have ongoing mixed-file issues. Several accounts and inquiries were opened or reported without authorization. I provided complete documentation including my government ID, proof of address, and FTC Report # XXXX yet the credit bureaus continue to report incorrect and unverifiable data. 

The disputed items include : Unauthorized Hard Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ) Inaccurate Tradelines : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX  conflicts and reinsertion violations ( different balances, dates, and statuses across bureaus ). 

Late-payment defects reported after closure, violating XXXX XXXX reporting standards.

The bureaus have not provided a proper Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

At least one bureau reinserted deleted information without the required 5-day written notice, violating 611 ( a ) ( 5 ) ( B ).

These inaccuracies are materially harming my creditworthiness and my ability to qualify for personal and business funding.

What Ive Done to Resolve This I mailed a certified FCRA dispute letter to TransUnion, Experian, and Equifax on XX/XX/2025, with supporting evidence and tracking numbers. 

I submitted copies of my FTC Identity Theft Report and proof of residence.

I requested a Method of Verification for each account and inquiry but received form-letter replies without documentation.

I also requested blocking under 605B for identity-theft accounts, which has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: WA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding unauthorized electronic fund transfers that occurred on my Chase checking account between XX/XX/XXXX and XX/XX/XXXX. During this period, two withdrawals of {$1400.00} each and one withdrawal of {$1200.00} were sent to an external XXXX  account that I do not recognize and did not authorize. 

I promptly reported these transactions to Chases Fraud Department. However, Chase repeatedly stated that the transfers were authorized and denied my Regulation E claim, despite my clear assertion that I did not initiate these transfers.

Chase failed to meet its regulatory obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, specifically : 1. Failing to identify and stop multiple high-risk, unusual transfers to a new external account.

2. Failing to provide any fraud alerts, verification, or customer notification before processing these transactions.

3. Failing to properly investigate my claim and incorrectly determining the transfers were authorized.

These failures resulted in a total financial loss of {$4100.00}.

I am requesting the CFPBs assistance in requiring Chase to : Reopen and properly investigate my claim under Regulation E Reimburse the unauthorized transfers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Help Financial, LLC
State: NV

Complaint narrative:
Complaint to CFPB Regarding XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX XXXX due to serious inconsistencies, lack of transparency, and improper credit reporting related to my account. 

I recently reviewed my credit reports and discovered that XXXX XXXX XXXX continues to report late payments every month, from XX/XX/year> through the present, even though the account is showing as paid in their internal system. 

When I contacted XXXX XXXX XXXX I received conflicting and misleading information, as follows : XXXX representative initially claimed that I owe {$1600.00}. 

When I asked why I had never received a bill, notice, or written statement showing any outstanding balance, I was given no explanation. 

When I asked for a letter confirming payment or account status, they said they can not provide XXXX, without any reasoning. 

I asked several times to speak with a manager, and the representative refused each time. 

The following day, I spoke with a different representative who told me the complete opposite : She stated that I do not owe anything, The account shows a XXXX balance, And according to their system, the account was paid in full in XX/XX/year>. 

She also said she does not understand why late payments are being reported from XX/XX/year> to the present, since the account is marked as paid. 

These contradictory statements have left me extremely confused and concerned. If the account was paid in full in XX/XX/year>, there should be no late payments reported at all after that date. This inaccurate reporting is damaging my XXXX XXXX every month and creating unnecessary financial and emotional hardship. 

Violations of Consumer Protection Laws : The actions of First Help Financial appear to violate multiple laws, including : Fair Credit Reporting Act ( FCRA ) Furnishers must report information that is accurate and complete ( 15 U.S.C. 1681s-2 ). 

Reporting late payments on an account they show as paid is inaccurate. 

They must correct information that is false or misleading. 

They XXXX not continue reporting inaccurate data once notified. 

Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) Consumers have the right to receive validation of any debt claimed. 

Reporting debt as delinquent while internally marking it paid is deceptive and misleading. 

General consumer protection laws Companies may not engage in unfair, deceptive, or abusive acts or practices ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express is inaccurately reporting late payments and charge-off activity after the actual charge-off date. The account shows a charge-off in XXXX, but XXXX continues to report new late payments and charge-off codes through XXXX. A creditor can not report new late payments or new charge-off activity after an account is charged off and closed. This makes the negative activity appear recent when the account has not been active since the charge-off date. This inaccurate reporting has significantly impacted my credit profile during a mortgage underwriting process. I am requesting that American Express update the tradeline to accurately reflect the true charge-off date and remove any late/charge-off codes reported after that date. This is not a disputeI am requesting accurate reporting under FCRA Section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: WA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-11-15 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: CA

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, creating difficulties in maintaining my financial stability. I am urgently seeking your assistance in resolving this issue, especially as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this matter would be greatly appreciated and would allow me to proceed with my financial plans. Thank you for your support and cooperation.

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 2025-11-15 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: CA

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I have a report on my account. For a car. That I no longer own. I ex repoed my car by lying to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint regarding the following charge-off account that is appearing on my credit report : XXXX XXXX Account # XXXXXXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$520.00} Status : Charge Off XXXX XXXX I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative charge-off is harming my credit profile without any valid basis. I am requesting a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment and reporting as open account. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$210.00} tied up

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I've gotten a charge due to auto payment for a phone service I've forgotten about because I no longer used the service from them, I contacted them plenty of times about it and was basically kept being refused to get my money back for it so I went ahead and did a dispute and explained the situation to my bank, after a few days later I got denied so I called again and reopened and submitted documents to prove my claim once again denied and now for the XXXX time I tried and denied again all the information I've sent to backup my claim it stills get denied I was told that I would get a email in 10 days of what info they have used to determine rather the dispute would denied or approved, 10 days pass by and nothing hasn't come to my email, I called again and explained it and was told the same thing and still no email gets to me now I am out of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding the ongoing failure of Equifax, Experian, and TransUnion to comply with their legal obligations under the Fair Credit Reporting Act. My name is XXXX XXXX and I am requesting regulatory assistance due to the bureaus continued refusal to provide the legally required information related to my dispute investigations. 

Under 15 USC 1681i ( 7 ), I am entitled to receive a full description of the reinvestigation procedures used to verify the disputed items on my credit report. This includes the business name and address of any furnisher contacted, a telephone number if available, and the specific steps taken to determine the accuracy of each disputed entry. Despite my requests, the credit bureaus have not provided the required information. 

I specifically asked each bureau to provide the following for every disputed account : the name of the original creditor, the creditor address and telephone number, the name of the individual who verified the information, the documentation relied upon for verification, and the procedures in place to ensure maximum possible accuracy. None of this information has been provided. 

Under 15 USC 1681e ( b ), credit reporting agencies are required to follow procedures that ensure the highest level of accuracy. The continued reporting of items that can not be verified or substantiated is a violation of this federal requirement. If the bureaus are unable or unwilling to provide the verification details I requested, they are legally obligated to delete the inaccurate information. 

The failure to comply with these statutory requirements constitutes negligent or willful noncompliance under 15 USC 1681n and 15 USC 1681o, which exposes the bureaus to civil liability. I have notified them that if they do not comply, I will be prepared to pursue litigation to enforce my rights.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding the ongoing failure of Equifax, Experian, and TransUnion to comply with their legal obligations under the Fair Credit Reporting Act. My name is XXXX XXXX and I am requesting regulatory assistance due to the bureaus continued refusal to provide the legally required information related to my dispute investigations. 

Under 15 USC 1681i ( 7 ), I am entitled to receive a full description of the reinvestigation procedures used to verify the disputed items on my credit report. This includes the business name and address of any furnisher contacted, a telephone number if available, and the specific steps taken to determine the accuracy of each disputed entry. Despite my requests, the credit bureaus have not provided the required information. 

I specifically asked each bureau to provide the following for every disputed account : the name of the original creditor, the creditor address and telephone number, the name of the individual who verified the information, the documentation relied upon for verification, and the procedures in place to ensure maximum possible accuracy. None of this information has been provided. 

Under 15 USC 1681e ( b ), credit reporting agencies are required to follow procedures that ensure the highest level of accuracy. The continued reporting of items that can not be verified or substantiated is a violation of this federal requirement. If the bureaus are unable or unwilling to provide the verification details I requested, they are legally obligated to delete the inaccurate information. 

The failure to comply with these statutory requirements constitutes negligent or willful noncompliance under 15 USC 1681n and 15 USC 1681o, which exposes the bureaus to civil liability. I have notified them that if they do not comply, I will be prepared to pursue litigation to enforce my rights.

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 2025-11-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following INQUIRIES FROM THIS COMPANY : 1 ) XXXX, DATE : XX/XX/XXXX, INQUIRY 2 ) XXXX, XXXX, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

I DEMAND the following INQUIRIES : 1 ) XXXX, DATE : XX/XX/XXXX, ALSO INQUIRY 2 ) XXXX  XXXX, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
To whom ever this may concern Im currently a victim of identity theft. Ever since my wallet was lost on a out of town family trip in XXXX, there has been multiple fraudulent accounts, home addresses along with fraudulent hard inquiries and fraudulent student loans placed on my XXXX, Equifax, XXXX, XXXXXXXX XXXX XXXX credit file. I have reached out directly to the creditors but they have been very aggressive and refuse to remove the fraudulent 6 student loans that were placed on my credit file along with the rest of the fraudulent information. Please understand there is 6 fraudulent accounts under department of ed/aidvantage reporting on my credit file. This company has let someone use my identity and apply for a student loan. I have not gave this company any consent to use my identification or personal information. I have never received any student loan or loan. As of today I would like all 6 fraudulent student loans removed from my credit file with the major credit reporting agencies listed above in my complaint. I would also like a 10-15 day investigation placed on equifax, transunion, Experian.

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