vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I deposited {$1900.00} cash at a Chase ATM. The ATM printed only a small partial slip, so I immediately contacted Chase. They provided a temporary credit of {$1900.00}, and I believed the issue was resolved. 

On XX/XX/XXXX, Chase reversed the temporary credit and withdrew the full {$1900.00} from my account. 

I contacted Chase again on XX/XX/XXXX and XX/XX/XXXX to ask why the claim was denied, since I had the deposit slip. I was told to submit the slip, which I did. 

On XX/XX/XXXX, Chase issued a partial credit of {$580.00}, stating that only {$580.00} was found and the remaining {$1300.00} was not found and the investigation was completed. 

I called Chase again on XXXX and XXXX requesting a proper investigation because : In the first investigation, Chase claimed {$0.00} was found. 
In the second investigation, they claimed {$580.00} was found. 
These inconsistent results indicate the investigation was not done properly. 

I asked multiple agents what steps were taken in the investigation and whether the ATM, vault, deposit logs, and surveillance were reviewed. No one provided any details. I was repeatedly told, without explanation, that the case was closed. 

On XXXX, I contacted Chase again. The agent stated the case could not be escalated, the investigation would not be reopened, and no further review was possible. I asked for my request for escalation to be added to the call notes, and she stated she added it. 

I have the original deposit slip, all denial emails, and documentation showing the inconsistent investigation results. 

I am requesting CFPB assistance to require Chase to conduct a full investigation, provide documentation of how they reached their decision, and return the remaining {$1300.00} if the funds were mishandled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
I am submitting a complaint because Experian failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA 15 USC 1681i ) regarding XXXX XXXX XXXX XXXX XXXXccount.

I disputed thXXXX XXXX XXXX XXXX account because it contains inaccurate and unverifiable information. Experian responded that they updated the account, but the only change made was refreshing the date updated line. The charge-off, past-due balance, and negative history all remain exactly the same. 

Experian did not provide any documentation from XXXX XXXX XXXX XXXXoving the validity of this account, which is required. Instead, they continued reporting the same inaccurate information. Updating the account without resolving the dispute violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation. 

XXXX XXXX XXXX also did not supply any documentation, signatures, contracts, or records validating the account. Yet Experian marked the investigation as complete. 


This inaccurate, unverifiable account continues to harm my credit. I am requesting that the CFPB require Experian anXXXX XXXX XXXX XXXX XXXX  : Provide actual documentation used to verify the account ; or Delete the account from my credit file if documentation can not be provided ; and Correct any violations of the Fair Credit Reporting Act. 


Thank you for your assistance.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I discovered an account listed under TRUISTXXXX on my credit report, but I have not received any debt validation or required written notices regarding this alleged account. I do not recall entering into any agreement with TRUISTXXXX, and the company has not provided documentation proving that the reported debt is legitimate, accurate, or owed by me. I have not been given a copy of any contract, itemized statement, or verification of the accounts ownership and accuracy. Despite this lack of validation, the account is still being reported to the credit bureaus, which may negatively affect my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am submitting a complaint because XXXX failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA 15 USC 1681i ) regarding my TD Auto Finance account. 

I disputed the TD Auto Finance account because it contains inaccurate and unverifiable information. XXXX  responded that they updated the account, but the only change made was refreshing the date updated line. The charge-off, past-due balance, and negative history all remain exactly the same. 

XXXX did not provide any documentation from TD Auto Finance proving the validity of this account, which is required. Instead, they continued reporting the same inaccurate information. Updating the account without resolving the dispute violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation. 

TD Auto Finance also did not supply any documentation, signatures, contracts, or records validating the account. Yet XXXX marked the investigation as complete. 


This inaccurate, unverifiable account continues to harm my credit. I am requesting that the CFPB require XXXX and TD Auto Finance to : Provide actual documentation used to verify the account ; or Delete the account from my credit file if documentation can not be provided ; and Correct any violations of the Fair Credit Reporting Act. 


Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I am a consumer who is simply trying to fix my credit and ensure that all the information reported about me is accurate, complete, and verifiable as required under the Fair Credit Reporting Act ( FCRA ). I am disputing the accounts listed below because they contain inaccuracies, incomplete data, or unverifiable information. Under 15 U.S.C. 1681e ( b ) you must assure maximum possible accuracy, and under 15 U.S.C. 1681i, you are required to conduct a lawful reinvestigation. 

CHARGED OFF EQ XXXX, XXXXXXXX XXXX XXXXXXXX INQUIRIES EQ ( No inquiries listed ) LATE PAYMENT EQ XXXXXXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( Case No. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer 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 2025-12-08 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: AL

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate, inconsistent, and unverifiable information. My prior disputes were not properly investigated. 
Charged-Off I dispute the following accounts due to errors in balances, dates, and reporting : XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$420.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$140.00} XXXX  Acct : XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} Bankruptcy Case # XXXX Filed XX/XX/XXXX Bankruptcy Case # XXXX Filed XX/XX/XXXX The bankruptcy entries are being reported inconsistently between bureaus, and Experian has not provided documentation showing verification from the court. Public records must be verified directly with the source, and Experian has not done this. 

2. Inquiries ( Experian ) I dispute the following inquiries as unauthorized and not verified : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these hard pulls, and Experian did not provide proof of permissible purpose. 

3. Late Payments ( Experian ) I dispute the following late payment as inaccurate : XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Experian has not proven the accuracy of this late payment.

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 2025-12-08 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: PA

Complaint narrative:
b"Consumer Name: XXXX XXXX Consumer Social Security Number: XXXX Consumer Date of Birth:XXXX, Contents of Complaint: This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Experian Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened atXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent collections & Charge off accounts appearing on my consumer FICO credit report. I've attached a list of the collections and charge off accounts in question as well as a copy of the consumer FICO 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  XXXX as proof from the US 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 2025-12-08 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: TX

Complaint narrative:
These accounts are erroneous and must be deleted within 15 days according to the FCRA.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/year> To : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX Subject : Debt Validation Request Under FDCPA 809 ( 15 U.S.C. 1692g ) To Whom It May Concern, This letter is sent in response to your attempt to collect an alleged debt you claim I owe. I am requesting full validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 



Please provide : The original creditors name and address A complete itemized statement of the alleged balance The date the debt was incurred A copy of the original signed contract Proof you own this debt or are legally assigned to collect it Proof you are licensed to collect in my state Until validation is provided, you must cease all collection activity and credit reporting. Failure to validate requires permanent deletion. 



Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I am writing to formally dispute the charge-off on my Chase account. I believe this charge-off occurred due to errors in Chases payment processing, not due to negligence on my part. 

I previously contacted Chase by phone and explained that my payment plan was supposed to be linked to my new checking account, but Chase continued attempting to pull payments from the wrong accountan account I no longer used and had specifically updated. 

Despite me updating my payment method and seeing that the payments were showing as scheduled on my end, the payments were not being processed correctly on Chases side. Later, I received a letter stating that my account had been charged off. 

Here are the important details : Chase and I established a payment plan with monthly payments of {$22.00} plus the minimum payment, which I agreed to and attempted to follow. 

My online account showed the payments as set up and connected to the correct account due to it showing up has having two different branches on my account yet Chase continued charging the wrong account. When I tried to take off the 5 point account it wouldn't let me so I added my new account with XXXX When I called Chase to fix the mistake, I was told nothing could be done, even though the payment method being incorrectly used was a system or processing error, not my failure to pay. 


I am a XXXX XXXX, which is why I contacted Chase early to establish a payment arrangement I could keep up with. I made every effort to resolve my balance responsibly. The rapid increase in the balance due to missed-payment fees and the final charge-off were consequences of the account misrouting, not intentional nonpayment. 

I want to fix my mistake and pay chase what they owe. When I originally I was freshly XXXX. When I got the card I didn't know it was with Chase, I thought it was an XXXX gift card. I should have read that more thoroughly but what's done is done. 

I would love to get this taken care of and fix my mistake. I don't want this charged off on my credit that I didn't even know I had until recently. I've been working hard to bring up my credit since discovery the damage Chase did originally. After being it up from XXXX to almost XXXX, this charged off will ruin that for me and my future. I don't want any issues with Chase, I want to do my orginal payment. With no negative marks on my credit. 

Thank you for your time. I am asking for fair consideration, as this error has had a serious impact on my credit and financial situation despite me doing everything I could to follow the plan we agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I have no ownership of the accounts listed and did not authorize their creation. Please perform a comprehensive review and remove them from my file. Documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a {$5000.00} check from a XXXX XXXX business account into my Chase account on XX/XX/year>. 
The check was returned on XX/XX/XXXX with the reason Refer to XXXX. 
The XXXX  confirms he did not stop payment or flag the check for fraud and the {$5000.00} still hasn't been returned to their account. 

I have contacted Chase multiple times to dispute this return and request escalation to Chases back-office operations.

However, I have been told Chase can not help because its not Chases money. 

XXXX XXXX has already filed a claim on their side, and they are now instructing me to have Chase file an interbank return claim but Chase refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Issue : Inaccurate reporting, incomplete data fields, failure to update status, misleading post-loss conduct. 

OneMain Financial is reporting derogatory information on my credit file that appears inaccurate and incomplete. The current balance, payment history, and account status do not appear to reflect accurate information, and may not meet XXXX reporting standards. 

Additionally, OneMain continued to contact me regarding payment and insurance issues without clear documentation of account status, balance, or credit reporting implications. I requested information but did not receive documentation clarifying the status of the account or the basis of the reported information. 

Under FCRA, OneMain is required to report accurate, complete, and verifiable information. At this time, the data being furnished does not appear to meet those standards. 

I am requesting OneMain provide documentation verifying the accuracy and completeness of the reported information, or delete the tradeline if the information can not be verified.

Company response to consumer: Closed with explanation