vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was the victim of an online scam on XXXX by a company called XXXX XXXX XXXX. They sold me a fraudulent service that was never delivered. After realizing this, I requested a cancellation and refund for the amount of {$3000.00}, which they initially agreed to but never processed. 

In XXXX I contacted the Chase bank to dispute the charge, explaining that I had been scammed. The Chase bank temporarily refunded the amount, but days later in XXXX the Chase bank withdrew the funds again after the merchant provided a contract as proof of a legitimate purchase. However, despite the existence of this contract, the company never fulfilled the agreed-upon services. 

I informed the Chase bank that the service was never provided and that I had already reported the fraud to the Federal Trade Commission ( FTC ) via https : //reportfraud.ftc.gov. Despite this, the bank told me that I would need to hire a lawyer to recover my money. 

I am seeking the Consumer Financial Protection Bureau ( CFPB ) s assistance in holding my bank accountable for failing to protect me as a consumer and ensuring that I receive a fair resolution to this dispute. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: DISCOVER BANK
State: FL

Complaint narrative:
These accounts have resulted in fraudulent FICO score reductions, fraudulent hard inquiries appearing on my consumer credit report, and fraudulent reporting to my consumer file. 

I have attached a redacted and notarized police report as well as a copy of the FTC Identity Theft Affidavit with this complaint. Given the fraudulent nature of these accounts, I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report. 

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to third parties, you are damaging my reputation and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX, to preform a service for his vehicle. I own a mobile mechanic business. After service was preformed ( I have an invoice and signature ), he informed me that he would like to pay through Zelle to which I agreed. 

Today XX/XX/XXXX, my bank XXXX XXXX informed me that there was a dispute towards one of my transactions. They informed me that XXXX XXXX XXXX disputed and tried to reverse the transaction. For which they blocked and banned my Zelle. I have tried to contact XXXX XXXX XXXX but he has now blocked all forms of contact with me because he knows he has scammed me. I am now a victim of fraud and now I do not have access to my right to transfer money to my other accounts. 

XXXX XXXX informed me that they will not give me access to my own zelle unless XXXX XXXX XXXX XXXX cancels the dispute. 

I wish to regain access to my zelle as I require it use fairly frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my bank account was closed. Since XXXX I've been feeding with Bank of America. On my credit report Bank of America was one of the many on report. I was told there was no money in my account. I had to do 4 bank ownerships. The bank treated me unfairly and was rude and refused serviced to me for 4 years.in XXXX they apologize for the inconvenience about the treatment and they gave XXXX out of XXXX have receipts of illegal transfer and ETFs and ACH transfers. I would like all my money back. Please I would like to sue the bank for not allowing me to use service for 4 years.

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 2025-04-02 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX balance {$390.00} XX/XX/XXXX XXXX XXXX {$980.00} Date Opened XX/XX/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 2025-04-02 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: FL

Complaint narrative:
I recently submitted a dispute because I have serious concerns about an account on my credit report that still appears to be inaccurate and incomplete. Its clear that a proper investigation wasnt done, and the incorrect information is still there. This has been incredibly stressful for me, and I feel completely overwhelmed and frustrated. 

Please, I need your helpI dont know where else to turn, and this situation is taking a huge toll on my life. Also, I want to make it absolutely clear that I am submitting this dispute myself, not a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
In XXXX I had an XXXX XXXX XXXX XXXX XXXXXXXX. I have and had XXXX insurance that should've covered the bill. However i was still personally billed. I contacted XXXX and they said they paid the bill. I believe the doctor has a personal vendetta against me because I reported her for discharging me immediately after the XXXX although I could not walk. Now the hospital had sent XXXX bills to the credit bureaus as if I obtained a loan from them. XXXX has confirmed they paid the XXXX bill. I'm responsible for {$0.00} co-pay and the XXXX was covered. I requested Equifax remove the hospital bill from my credit report via online dispute because of the new law however they did not. They simply verified the debt with the creditor incorrect records. I cited the new rule to Equifax regarding restricting medical bills, they did not restrict the information and the debt was questioned to me from a lender who was still able to consider it as a sample of how I handle debt when it does not reflect my actual good history of paying lenders. This is a credit report. I have not received any credit or loans from the hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union and Equifax both continually report inaccurate status of charged off accounts when Ive informed them that there has been no 1099 C issued to me. Unlawful Reporting of Charge-Offs Without Issuing a 1099-C ( 26 U.S.C. 6050P ) Creditors are legally required to issue a 1099-C Cancellation of Debt when a debt is charged off, written off or canceled. If no 1099-C has been issued, the debt has not been officially canceled, making it unlawful for Trans Union and Equifax to report it as a charge-off. By reporting charge-offs without proof of a 1099-C, TransUnion and Equifax willfully are misrepresenting my credit obligations, which is a violation of 15 U.S.C. 1681e ( b ) ( duty to maintain maximum possible accuracy ). Failure to Verify or Validate Debt via assuring 1099Cs were issued ( 15 U.S.C. 1681s-2 ) : The furnisher failed to provide verifiable proof that the charge-offs were valid, yet TransUnion and Equifax continued to report them. The failure to properly investigate and validate these accounts violates federal law.

I will seek remedy as this is one of many attempts to get them to follow the letter of the law which appears they are protecting these alleged creditors.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing a complaint regarding a missing transfer from my Chime account to an external XXXX account. I transferred money from my Chime account, but the funds disappeared, and I am unable to determine where they went. Both accounts involved are XXXX, yet despite this, I have been unable to trace the funds or recover them. 

I have spent hours on the phone with Chime customer service and spoke with supervisors, but they have been unable to provide any assistance. I was told that because both accounts are XXXX accounts, tracking the transfer should be straightforward, yet I have received no solution or meaningful updates. 

I am requesting that Chime and XXXX immediately trace and recover the missing funds. The fact that both accounts are XXXX should make this process simpler, and I expect a clear resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OK

Complaint narrative:
On or about XX/XX/year> I was party to a wrongful eviction. Judgement was granted to said XXXX in the amount of ZERO dollars & only sought possession of the property. The Final Journal Entry of Judgment entered on XX/XX/year> was for Zero Dollars. Hunter Warfield , Inc. has wrongfully claimed that I owe {$970.00} in a collection effort. Under Oklahoma & Federal Law there was no money judgment sought and as such NO RELIEF was granted, ordered adjudged or decreed. Hunter Warfield is illegally claiming debt that is not owed. Currently this is affecting my ability to enter into a new rental agreement due to derogatory, erroneous collection claims made by Hunter Warfield , Inc . This practice of XXXX party debt collection is illegal & harmful to the public. I have not received any communications regarding collection efforts under law, as no legal debt is owed. Furthermore, the ZERO-DOLLAR amount of debt they alleged is owed has long passed the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate information being reported. I have several incorrect addresses and unknown accounts. I also was in several data breaches. The credit bureaus refused to report accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate information being reported. I have several incorrect addresses and unknown accounts. I also was in several data breaches. The credit bureaus refused to report accurate information.

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 2025-04-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ] XXXX XXXX XXXX XXXX XXXX, TX XXXX ] TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear Equifax Experian or TransUnion, I am writing to dispute the following information that appears on my Equifax or Experian or TransUnion ] consumer report : I am writing to request an investigation of the following items on my credit report as provided by my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). I have identified several inaccuracies in my credit report that need correction. And 623 Dispute 1 Account Number or other information to identify account {$720.00} Open balance XXXX XXXX XXXX XXXX Original Creditor Name Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. 
Phone number : ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX, XXXX, the debt collector, is at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX. XX/XX/XXXX Source of dispute information : Experian, TransUnion, TransUnion Type of disputed information : inquiry XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Dates associated with the item being disputed : XX/XX/XXXX, and Inquiry : XXXX XXXX, XXXX, AND XX/XX/XXXX Explanation of item being disputed : o Im the victim of identity theft, and I dont recognize one or more of the accounts on my report.

Dispute 2 : I am a victim of Identity theft. I never owned or had an account with XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX 
. I have attached a copy of my report. I AM A VICTIM OF IDENTITY THEFT, AND THESE ACCOUNTS DO NOT BELONG TO ME. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX name XXXX XXXX XXXX name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ] XXXX XXXX XXXX XXXX XXXX, TX XXXX ] TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear Equifax Experian or TransUnion, I am writing to dispute the following information that appears on my Equifax or Experian or TransUnion ] consumer report : I am writing to request an investigation of the following items on my credit report as provided by my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). I have identified several inaccuracies in my credit report that need correction. And 623 Dispute 1 Account Number or other information to identify account {$720.00} Open balance XXXX XXXX XXXX XXXX Original Creditor Name Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. 
Phone number : ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX, XXXX, the debt collector, is at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX. XX/XX/XXXX Source of dispute information : Experian, TransUnion, TransUnion Type of disputed information : inquiry XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Dates associated with the item being disputed : XX/XX/XXXX, and Inquiry : XXXX XXXX, XXXX, AND XX/XX/XXXX Explanation of item being disputed : o Im the victim of identity theft, and I dont recognize one or more of the accounts on my report.

Dispute 2 : I am a victim of Identity theft. I never owned or had an account with XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX 
. I have attached a copy of my report. I AM A VICTIM OF IDENTITY THEFT, AND THESE ACCOUNTS DO NOT BELONG TO ME. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX name XXXX XXXX XXXX name

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX requested to transfer my money out of my account to my external account XXXX XXXX Navy Federal Credit Union Postpone delayed transactions HOLDING ON TO FUNDS as of XXXXXXXX XXXX XXXX hours later still no access to my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
A debt was added to my credit report, I reported this right away with the company and explain I had no knowledge of this account being opened. I never provided any of my information to open this account personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MI

Complaint narrative:
I completely paid off my car of {$5500.00} with a credit of $ XXXXafter making the payment. My credit card was reduced without me knowing it. Then, when I called an extra reason why it was reduced, they closed my credit card. And didn't tell me my credit card was closed. Now I'm wondering after XXXX  years of making good payments. You just closed my credit card and I'm paid off.

Company response to consumer: Closed with explanation